How much house can I afford on $50,000 in North Dakota?
About $175,000 with 20% down ($140,000 with an FHA loan), using North Dakota's 0.92% property tax rate.
That is $115,239 less than the typical North Dakota home ($290,657), so on $50,000 you'd look at cheaper areas or a smaller home. The payment of $1,167 covers $944 principal and interest, $135 property tax and $88 insurance.
Counties in North Dakota you can afford on $50,000
16 of 43 counties have a typical home value at or below $175,000:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Walsh County | $171,502 | +6.2% | 1.07% |
| Cavalier County | $170,109 | +13.1% | 1.34% |
| McHenry County | $160,662 | +6.0% | 0.66% |
| Hettinger County | $157,940 | +32.3% | 1.12% |
| Pembina County | $157,472 | +8.6% | 1.01% |
| Nelson County | $157,031 | +12.3% | 0.75% |
| Emmons County | $156,341 | +18.9% | 0.91% |
| Lamoure County | $152,175 | +4.3% | 1.01% |
| Burke County | $144,525 | +1.9% | 0.54% |
| Benson County | $141,965 | +2.9% | 0.91% |
| Griggs County | $141,481 | -4.7% | 0.91% |
| Adams County | $141,117 | +1.3% | 1% |
| Wells County | $128,455 | +0.5% | 0.98% |
| Towner County | $120,691 | +7.7% | 0.88% |
| Sheridan County | $117,383 | -6.9% | 0.7% |
| Eddy County | $116,853 | -1.8% | 1% |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.92% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in North Dakota
Frequently asked questions
How much house can I afford on $50,000 in North Dakota?
About $175,000 with 20% down at 7.11%, keeping the payment (with North Dakota's 0.92% property tax and insurance) under $1,167 a month.
Is $50,000 enough to buy a house in North Dakota?
Not the typical home: the typical North Dakota home is worth $290,657 (Zillow, September 2026) and $50,000 supports about $175,000. 16 of 43 counties are within budget.