Richland County, North Dakota home prices
Typical home $231,281 · +4.3% in a year · property tax 1.13%
The typical home in Richland County is worth $231,281, 20% less than the North Dakota typical home ($290,657). Values changed +4.3% in the past year and +24.5% over five years. Homeowners here pay a median 1.13% of their home's value in property tax each year ($2,603 on the typical home), versus 0.92% statewide.
Mortgage on the typical Richland County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $46,256 | $185,025 | $1,245 | $0 | $333 | $1,577 | $67,600 |
| 10% down | $23,128 | $208,153 | $1,400 | $87 | $333 | $1,820 | $78,000 |
| 5% down | $11,564 | $219,717 | $1,478 | $92 | $333 | $1,902 | $81,500 |
| 3.5% down (FHA) | $8,095 | $227,092 | $1,528 | $102 | $333 | $1,962 | $84,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.13% 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 Wahpeton metro area.
North Dakota counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Bottineau County | $230,235 | +9.9% | 0.72% |
| Ramsey County | $230,097 | +7.1% | 0.99% |
| Mercer County | $233,278 | +5.1% | 1.1% |
| Stutsman County | $228,961 | +5.9% | 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% |
| Oliver County | $256,771 | +6.5% | 0.62% |
| Sargent County | $205,756 | +4.9% | 1.12% |
| Ransom County | $203,703 | +7.1% | 1.02% |
Frequently asked questions
What is the average home price in Richland County, ND?
The typical home value in Richland County is $231,281 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Richland County?
About $67,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Richland County?
The median effective rate is 1.13% of home value a year (Census ACS 2024 5-year estimates).