The typical owner-occupied home in Crystal is worth about $67,600, 73% below the North Dakota median of $249,900 and 80% below the national median of $332,700. Owners pay a median $1,125 a year in property taxes, about 1.66% of their home's value, higher than the North Dakota rate of 0.99%. 98% of occupied homes here are lived in by their owners, and 9% of those owners still have a mortgage.
Crystal at a glance
| Crystal | North Dakota | U.S. | |
|---|---|---|---|
| Median home value | $67,600 | $249,900 | $332,700 |
| Median property tax paid per year | $1,125 | $2,468 | $3,119 |
| Property tax as a share of value | 1.66% | 0.99% | 0.94% |
| Median household income | – | $76,657 | $80,734 |
| Homes lived in by their owners | 98% | 63% | 65% |
| Owner homes with a mortgage | 9% | 52% | 61% |
| Median monthly costs, owners with a mortgage | $1,292 | $1,762 | $1,963 |
| Those costs as a share of the owners' income | 17.5% | 19.4% | 21.0% |
| Median rent | – | $954 | $1,413 |
| Median year homes were built | 1972 | 1982 | 1980 |
| Vacant homes | 13.4% | 12.3% | 10.1% |
| Population | 103 | 784,841 | 334,922,499 |
What a typical home costs per month in Crystal
At this week's average 30-year rate of 7.11%, buying the median Crystal home of $67,600 with 20% down costs about $485 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $598, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $20,806 for the 20%-down payment.
| Down payment | $13,520 |
|---|---|
| Loan amount | $54,080 |
| Principal and interest | $364 |
| Property taxes (1.66% a year) | $94 |
| Homeowners insurance (our estimate, 0.5% a year) | $28 |
| PMI | $0 |
| Total per month | $485 |
Change the numbers in the calculator
| Down payment | $2,366 |
|---|---|
| Loan amount | $66,376 |
| Principal and interest | $447 |
| Property taxes (1.66% a year) | $94 |
| Homeowners insurance (our estimate, 0.5% a year) | $28 |
| FHA mortgage insurance | $30 |
| Total per month | $598 |
Change the numbers in the calculator
Questions about home buying in Crystal
What is the median home value in Crystal?
About $67,600 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Crystal?
Homeowners pay a median $1,125 a year, which is about 1.66% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Crystal?
For the median home with 20% down at 7.11%, the payment is about $485 a month. Keeping that under 28% of gross income takes about $20,806 a year.
More about Crystal
- Mortgage Refinance in Crystal
- Debt Relief in Crystal
- Home Equity Loans in Crystal
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data