What it costs per month · Tok $2,089/mo

to buy the typical home at today's mortgage rate — +$937 (+81%) since Jan 2020.

Monthly payment to buy the typical home

Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.

$500 $1,000 $1,500 $2,000 2002 2006 2010 2014 2018 2022 2026 Alaska $2,089 United States $1,922
$500 $1,000 $1,500 $2,000 2002 2010 2018 2026
  • Alaska$2,089
  • United States$1,922

Living in Tok, Southeast Fairbanks Census Area, Alaska

Tok, in Southeast Fairbanks Census Area, had 1,243 people in the 2020 census. Half its households earn more than $64,063 a year and half less, against $73,882 across Southeast Fairbanks Census Area; 14% of its people live below the poverty line. Unemployment in Southeast Fairbanks Census Area was 5.2% in August 2026, and the county had 2.9% fewer jobs in 2025 than the year before. The most people in Southeast Fairbanks Census Area work in government, then farming.

People 1,243 in the 2020 census
Household income $64,063 the median, give or take $14,977 · Southeast Fairbanks Census Area: $73,882
Unemployment 5.2% Southeast Fairbanks Census Area, August 2026; 5.8% a year before
Homes Too few homes in Tok for the Census survey to measure.

Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.

What it’s like

The place. Tok is a small community, and households here earn less than across the Southeast Fairbanks Census Area as a whole. A larger share of people live below the poverty line than in many American towns. Winters are long and very cold, among the coldest in the country, with January the hardest month and plenty of snow, while July brings pleasantly warm days. Precipitation overall is light, with snow making up much of it.

Work. Many residents work in government, in farming, forestry and mining, in schools, hospitals and social care, or in the building trades. Across the Southeast Fairbanks Census Area, the largest workplaces include the Delta/Greely School District, the Alaska Gateway School District and the Upper Tanana Health Center. Unemployment has eased a little over the past year, though the number of jobs across the census area has slipped slightly. Fewer adults hold a four-year degree than in much of the country, and some people work from home.

Things to do. Tok is a place where outdoor life follows the seasons, with snowy winters well suited to cold-weather pastimes and short, mild summers for time outside. Many people here make their own way through the surrounding countryside.

Report a mistake
  • 623households
  • 20%of adults have a degree
  • 14%below the poverty line
  • 12%work from home

What people in Southeast Fairbanks Census Area work in

  • Government18%
  • Farming, forestry and mining18%
  • Schools, hospitals and social care15%
  • Building trades12%
  • Shops (retail)8%
  • Professional and business services6%

Employed residents by industry, from the Census survey. Southeast Fairbanks Census Area had 3,093 jobs in 2025, 2.9% fewer than the year before (Bureau of Labor Statistics).

Weather through the year

Average daily high and low for each month: coldest in January, -4° and -20°; warmest in July, 72° and 46° -20° 0° 20° 40° 60° 80° J -4° -20° F M A M J J 72° 46° A S O N D
Average daily high and low for each month: coldest in January, -4° and -20°; warmest in July, 72° and 46° -20° 0° 20° 40° 60° 80° J -4° -20° F M A M J J 72° 46° A S O N D

Coldest in January, with highs near -4° and lows near -20°; warmest in July, with highs near 72° and lows near 46°. About 38 inches of snow and 11 inches of rain and melted snow a year.

Average daily high and low, 1991–2020, at the Tok weather station, under a mile away (NOAA).

Largest workplaces in Southeast Fairbanks Census Area

  1. Delta/Greely School DistrictSchool district111FTE
  2. Alaska Gateway School DistrictSchool district89FTE
  3. Upper Tanana Health CenterCommunity health centers and clinics, outpatient46
  4. First Student35

Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 2 workplaces with 20 or more staff, 81 people in all across the county; Tok has none of its own. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.

Natural hazards

  1. WildfireVery high
  2. Cold wavesVery high
  3. Winter weatherVery high
  4. LandslidesRelatively moderate
  5. AvalanchesRelatively moderate
  6. EarthquakesRelatively moderate

FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Tok’s census tracts, against the rest of the country; all of them together, very high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.

From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Southeast Fairbanks Census Area.

Tok home values

Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.

Not enough data to draw this yet.

Market heat, inside the city limits

Homes for sale

Active for-sale inventory. More supply hands power to buyers.

5 10 15 20 2023 2024 2025 2026 Tok 16
5 10 15 20 2023 2024 2025 2026
  • Tok16

New listings per month

Sellers arriving at the market.

Not enough data to draw this yet.

Zip codes with a Tok address

A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Tok — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.

Zillow publishes no zip-level series with this city on the address.