How much house can I afford on $60,000 in North Dakota?
About $211,000 with 20% down ($168,000 with an FHA loan), using North Dakota's 0.92% property tax rate.
That is $80,155 less than the typical North Dakota home ($290,657), so on $60,000 you'd look at cheaper areas or a smaller home. The payment of $1,400 covers $1,133 principal and interest, $162 property tax and $105 insurance.
Counties in North Dakota you can afford on $60,000
25 of 43 counties have a typical home value at or below $211,000:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Sargent County | $205,756 | +4.9% | 1.12% |
| Ransom County | $203,703 | +7.1% | 1.02% |
| Kidder County | $203,596 | +8.6% | 0.58% |
| Barnes County | $196,408 | +5.8% | 1.03% |
| Renville County | $193,795 | +10.8% | 0.68% |
| Bowman County | $193,789 | +7.1% | 0.73% |
| Foster County | $190,154 | +7.1% | 1.19% |
| Dickey County | $190,013 | +15.2% | 0.92% |
| Golden Valley County | $188,290 | +5.3% | 0.89% |
| 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 $60,000 in North Dakota?
About $211,000 with 20% down at 7.11%, keeping the payment (with North Dakota's 0.92% property tax and insurance) under $1,400 a month.
Is $60,000 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 $60,000 supports about $211,000. 25 of 43 counties are within budget.