Mortgage payment estimates, closing cost breakdowns, and homebuying data for Bethel, Alaska.
Median Home Price
$265K
Population
6K
Avg Monthly Rent
$1,350
Property Tax Rate
1.19% *
* Property tax shown is the Alaska state average effective rate. Actual rates vary by county, city, and school district — check with your local assessor for exact rates in Bethel.
Bethel vs Alaska Median
The median home price in Bethel is $265,000, which is 24% below the Alaska state median of $350,000.
Mortgage Calculator — Bethel, AK
Pre-filled with Bethel median home price and Alaska tax/insurance rates. Adjust for your property.
Three down payment scenarios for a $265K home using Alaska's 1.19% tax rate and $1,400/yr insurance.
5% Down
$2,118/mo
Down: $13,250
Loan: $252K
P&I: $1,591
Tax: $263
Insurance: $117
PMI: $147
10% Down
$2,026/mo
Down: $26,500
Loan: $239K
P&I: $1,507
Tax: $263
Insurance: $117
PMI: $139
20% Down (No PMI)
$1,719/mo
Down: $53,000
Loan: $212K
P&I: $1,340
Tax: $263
Insurance: $117
Income needed (28% rule): $74K/year with 20% down, $87K/year with 10% down.
Rent vs Buy in Bethel
Rent
$1,350/mo
vs
Buy (10% down)
$2,026/mo
Price-to-rent ratio: 16.4 — A ratio between 15-20 means the rent vs buy decision in Bethel depends heavily on your timeline. If you plan to stay 5+ years, buying likely wins. For shorter stays, renting preserves flexibility.
The median home price in Bethel is $265,000, 24% below the Alaska state median of $350,000. With a population of 6,325, Bethel is a smaller market where home prices tend to be more accessible than in many parts of Alaska.
Property taxes in Alaska average 1.19% annually. This moderate property tax rate means a $265,000 home in Bethel would carry roughly $263/month in property taxes. Homeowners insurance in Alaska runs approximately $1,400 per year. This is within the normal range nationally.
Average rent in Bethel is $1,350/month. The price-to-rent ratio in Bethel is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.
Bethel presents moderate affordability. The $265K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.
Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Bethel.