Pembina County, North Dakota home prices
Typical home $157,472 · +8.6% in a year · property tax 1.01%
The typical home in Pembina County is worth $157,472, 46% less than the North Dakota typical home ($290,657). Values changed +8.6% in the past year and +8.5% over five years. Homeowners here pay a median 1.01% of their home's value in property tax each year ($1,592 on the typical home), versus 0.92% statewide.
Mortgage on the typical Pembina County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $31,494 | $125,978 | $847 | $0 | $211 | $1,059 | $45,400 |
| 10% down | $15,747 | $141,725 | $953 | $59 | $211 | $1,224 | $52,500 |
| 5% down | $7,874 | $149,599 | $1,006 | $62 | $211 | $1,280 | $54,900 |
| 3.5% down (FHA) | $5,512 | $154,620 | $1,040 | $70 | $211 | $1,321 | $56,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.01% 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 |
|---|---|---|---|
| Nelson County | $157,031 | +12.3% | 0.75% |
| Hettinger County | $157,940 | +32.3% | 1.12% |
| Emmons County | $156,341 | +18.9% | 0.91% |
| McHenry County | $160,662 | +6.0% | 0.66% |
| Lamoure County | $152,175 | +4.3% | 1.01% |
| Cavalier County | $170,109 | +13.1% | 1.34% |
| Burke County | $144,525 | +1.9% | 0.54% |
| 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 Pembina County, ND?
The typical home value in Pembina County is $157,472 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Pembina County?
About $45,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Pembina County?
The median effective rate is 1.01% of home value a year (Census ACS 2024 5-year estimates).