Adams County, North Dakota home prices
Typical home $141,117 · +1.3% in a year · property tax 1%
The typical home in Adams County is worth $141,117, 51% less than the North Dakota typical home ($290,657). Values changed +1.3% in the past year and +0.4% over five years. Homeowners here pay a median 1% of their home's value in property tax each year ($1,409 on the typical home), versus 0.92% statewide.
Mortgage on the typical Adams County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $28,223 | $112,893 | $759 | $0 | $188 | $947 | $40,600 |
| 10% down | $14,112 | $127,005 | $854 | $53 | $188 | $1,095 | $46,900 |
| 5% down | $7,056 | $134,061 | $902 | $56 | $188 | $1,146 | $49,100 |
| 3.5% down (FHA) | $4,939 | $138,561 | $932 | $62 | $188 | $1,182 | $50,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1% 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.
What it takes: see what you can afford by salary in North Dakota.
North Dakota counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Griggs County | $141,481 | -4.7% | 0.91% |
| Benson County | $141,965 | +2.9% | 0.91% |
| Burke County | $144,525 | +1.9% | 0.54% |
| Lamoure County | $152,175 | +4.3% | 1.01% |
| Wells County | $128,455 | +0.5% | 0.98% |
| Emmons County | $156,341 | +18.9% | 0.91% |
| Nelson County | $157,031 | +12.3% | 0.75% |
| Pembina County | $157,472 | +8.6% | 1.01% |
| Hettinger County | $157,940 | +32.3% | 1.12% |
| McHenry County | $160,662 | +6.0% | 0.66% |
Frequently asked questions
What is the average home price in Adams County, ND?
The typical home value in Adams County is $141,117 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Adams County?
About $40,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Adams County?
The median effective rate is 1% of home value a year (Census ACS 2024 5-year estimates).