Grand Forks County, North Dakota home prices
Typical home $300,182 · +7.8% in a year · property tax 1.15%
The typical home in Grand Forks County is worth $300,182, 3% more than the North Dakota typical home ($290,657). Values changed +7.8% in the past year and +23.0% over five years. Homeowners here pay a median 1.15% of their home's value in property tax each year ($3,445 on the typical home), versus 0.92% statewide.
Mortgage on the typical Grand Forks County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $60,036 | $240,145 | $1,615 | $0 | $437 | $2,053 | $88,000 |
| 10% down | $30,018 | $270,164 | $1,817 | $113 | $437 | $2,367 | $101,400 |
| 5% down | $15,009 | $285,173 | $1,918 | $119 | $437 | $2,474 | $106,000 |
| 3.5% down (FHA) | $10,506 | $294,745 | $1,983 | $133 | $437 | $2,553 | $109,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.15% 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 · part of the Grand Forks metro area.
North Dakota counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Ward County | $281,678 | +3.3% | 1.07% |
| Stark County | $323,057 | +3.9% | 0.89% |
| Morton County | $323,186 | +5.7% | 1.02% |
| Cass County | $339,508 | +4.0% | 1.2% |
| Oliver County | $256,771 | +6.5% | 0.62% |
| Williams County | $348,966 | +4.6% | 0.68% |
| Traill County | $233,747 | +8.2% | 1.03% |
| Mercer County | $233,278 | +5.1% | 1.1% |
| Dunn County | $367,789 | +8.5% | 0.61% |
| Richland County | $231,281 | +4.3% | 1.13% |
Frequently asked questions
What is the average home price in Grand Forks County, ND?
The typical home value in Grand Forks County is $300,182 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Grand Forks County?
About $88,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Grand Forks County?
The median effective rate is 1.15% of home value a year (Census ACS 2024 5-year estimates).