How much house can I afford on $80,000 in North Dakota?
About $281,000 with 20% down ($224,000 with an FHA loan), using North Dakota's 0.92% property tax rate.
That is $9,988 less than the typical North Dakota home ($290,657), so on $80,000 you'd look at cheaper areas or a smaller home. The payment of $1,867 covers $1,510 principal and interest, $216 property tax and $140 insurance.
Counties in North Dakota you can afford on $80,000
34 of 43 counties have a typical home value at or below $281,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Oliver County | $256,771 | +6.5% | 0.62% |
| Traill County | $233,747 | +8.2% | 1.03% |
| Mercer County | $233,278 | +5.1% | 1.1% |
| Richland County | $231,281 | +4.3% | 1.13% |
| Bottineau County | $230,235 | +9.9% | 0.72% |
| Ramsey County | $230,097 | +7.1% | 0.99% |
| Stutsman County | $228,961 | +5.9% | 1.1% |
| McLean County | $224,646 | +4.3% | 0.76% |
| Mountrail County | $215,626 | +2.6% | 0.52% |
| 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% |
Affordable metro areas
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 $80,000 in North Dakota?
About $281,000 with 20% down at 7.11%, keeping the payment (with North Dakota's 0.92% property tax and insurance) under $1,867 a month.
Is $80,000 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 $80,000 supports about $281,000. 34 of 43 counties are within budget.