Oliver County, North Dakota home prices
Typical home $256,771 · +6.5% in a year · property tax 0.62%
The typical home in Oliver County is worth $256,771, 12% less than the North Dakota typical home ($290,657). Values changed +6.5% in the past year and -6.1% over five years. Homeowners here pay a median 0.62% of their home's value in property tax each year ($1,599 on the typical home), versus 0.92% statewide.
Mortgage on the typical Oliver County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $51,354 | $205,417 | $1,382 | $0 | $262 | $1,643 | $70,400 |
| 10% down | $25,677 | $231,094 | $1,555 | $96 | $262 | $1,912 | $82,000 |
| 5% down | $12,839 | $243,932 | $1,641 | $102 | $262 | $2,004 | $85,900 |
| 3.5% down (FHA) | $8,987 | $252,120 | $1,696 | $114 | $262 | $2,071 | $88,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.62% 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 Bismarck metro area.
North Dakota counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Traill County | $233,747 | +8.2% | 1.03% |
| Mercer County | $233,278 | +5.1% | 1.1% |
| Ward County | $281,678 | +3.3% | 1.07% |
| 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% |
| Grand Forks County | $300,182 | +7.8% | 1.15% |
Frequently asked questions
What is the average home price in Oliver County, ND?
The typical home value in Oliver County is $256,771 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Oliver County?
About $70,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Oliver County?
The median effective rate is 0.62% of home value a year (Census ACS 2024 5-year estimates).