Ramsey County, North Dakota home prices
Typical home $230,097 · +7.1% in a year · property tax 0.99%
The typical home in Ramsey County is worth $230,097, 21% less than the North Dakota typical home ($290,657). Values changed +7.1% in the past year and +14.0% over five years. Homeowners here pay a median 0.99% of their home's value in property tax each year ($2,281 on the typical home), versus 0.92% statewide.
Mortgage on the typical Ramsey County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $46,019 | $184,078 | $1,238 | $0 | $305 | $1,543 | $66,100 |
| 10% down | $23,010 | $207,087 | $1,393 | $86 | $305 | $1,785 | $76,500 |
| 5% down | $11,505 | $218,592 | $1,470 | $91 | $305 | $1,867 | $80,000 |
| 3.5% down (FHA) | $8,053 | $225,929 | $1,520 | $102 | $305 | $1,927 | $82,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.99% 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 |
|---|---|---|---|
| Bottineau County | $230,235 | +9.9% | 0.72% |
| Stutsman County | $228,961 | +5.9% | 1.1% |
| Richland County | $231,281 | +4.3% | 1.13% |
| Mercer County | $233,278 | +5.1% | 1.1% |
| Traill County | $233,747 | +8.2% | 1.03% |
| McLean County | $224,646 | +4.3% | 0.76% |
| Mountrail County | $215,626 | +2.6% | 0.52% |
| Sargent County | $205,756 | +4.9% | 1.12% |
| Ransom County | $203,703 | +7.1% | 1.02% |
| Kidder County | $203,596 | +8.6% | 0.58% |
Frequently asked questions
What is the average home price in Ramsey County, ND?
The typical home value in Ramsey County is $230,097 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Ramsey County?
About $66,100 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Ramsey County?
The median effective rate is 0.99% of home value a year (Census ACS 2024 5-year estimates).