Nelson County, North Dakota home prices
Typical home $157,031 · +12.3% in a year · property tax 0.75%
The typical home in Nelson County is worth $157,031, 46% less than the North Dakota typical home ($290,657). Values changed +12.3% in the past year and -23.7% over five years. Homeowners here pay a median 0.75% of their home's value in property tax each year ($1,174 on the typical home), versus 0.92% statewide.
Mortgage on the typical Nelson County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $31,406 | $125,625 | $845 | $0 | $176 | $1,021 | $43,800 |
| 10% down | $15,703 | $141,328 | $951 | $59 | $176 | $1,186 | $50,800 |
| 5% down | $7,852 | $149,179 | $1,004 | $62 | $176 | $1,242 | $53,200 |
| 3.5% down (FHA) | $5,496 | $154,187 | $1,037 | $69 | $176 | $1,283 | $55,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.75% 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 |
|---|---|---|---|
| Pembina County | $157,472 | +8.6% | 1.01% |
| Emmons County | $156,341 | +18.9% | 0.91% |
| Hettinger County | $157,940 | +32.3% | 1.12% |
| McHenry County | $160,662 | +6.0% | 0.66% |
| Lamoure County | $152,175 | +4.3% | 1.01% |
| Burke County | $144,525 | +1.9% | 0.54% |
| Cavalier County | $170,109 | +13.1% | 1.34% |
| Walsh County | $171,502 | +6.2% | 1.07% |
| 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 Nelson County, ND?
The typical home value in Nelson County is $157,031 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Nelson County?
About $43,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Nelson County?
The median effective rate is 0.75% of home value a year (Census ACS 2024 5-year estimates).