McHenry County, North Dakota home prices
Typical home $160,662 · +6.0% in a year · property tax 0.66%
The typical home in McHenry County is worth $160,662, 45% less than the North Dakota typical home ($290,657). Values changed +6.0% in the past year and -18.5% over five years. Homeowners here pay a median 0.66% of their home's value in property tax each year ($1,058 on the typical home), versus 0.92% statewide.
Mortgage on the typical McHenry County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $32,132 | $128,530 | $865 | $0 | $168 | $1,033 | $44,300 |
| 10% down | $16,066 | $144,596 | $973 | $60 | $168 | $1,201 | $51,500 |
| 5% down | $8,033 | $152,629 | $1,027 | $64 | $168 | $1,259 | $53,900 |
| 3.5% down (FHA) | $5,623 | $157,752 | $1,061 | $71 | $168 | $1,301 | $55,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.66% 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 Minot metro area.
North Dakota counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| 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% |
| Cavalier County | $170,109 | +13.1% | 1.34% |
| Walsh County | $171,502 | +6.2% | 1.07% |
| Burke County | $144,525 | +1.9% | 0.54% |
| Benson County | $141,965 | +2.9% | 0.91% |
| Griggs County | $141,481 | -4.7% | 0.91% |
Frequently asked questions
What is the average home price in McHenry County, ND?
The typical home value in McHenry County is $160,662 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in McHenry County?
About $44,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in McHenry County?
The median effective rate is 0.66% of home value a year (Census ACS 2024 5-year estimates).