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Learn about the people, housing, costs and businesses in Gilby, North Dakota
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Gilby.
True all-in cost — P&I, taxes, insurance & utilities for homes in Gilby.
Find and compare lenders active near Gilby.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Gilby.
Seismic risk and earthquake insurance estimates for Gilby.
Wildfire exposure and insurance estimates for Gilby.
As of today, the 30-year fixed mortgage rate for Gilby is approximately 6.928% (6.965% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for GilbyThe median home value in Gilby is $199k. The median monthly rent is $791. Annual property taxes average $1k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Gilby have increased 6.6% over the past two years. This represents moderate growth. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $955/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $41k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Gilby is $80k/year.
Calculate your buying powerThe largest employment sectors in Gilby are public administration (18%) and wholesale trade (9%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.