Towner County, North Dakota home prices
Typical home $120,691 · +7.7% in a year · property tax 0.88%
The typical home in Towner County is worth $120,691, 58% less than the North Dakota typical home ($290,657). Values changed +7.7% in the past year and -7.6% over five years. Homeowners here pay a median 0.88% of their home's value in property tax each year ($1,058 on the typical home), versus 0.92% statewide.
Mortgage on the typical Towner County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $24,138 | $96,553 | $650 | $0 | $149 | $798 | $34,200 |
| 10% down | $12,069 | $108,622 | $731 | $45 | $149 | $925 | $39,600 |
| 5% down | $6,035 | $114,657 | $771 | $48 | $149 | $968 | $41,500 |
| 3.5% down (FHA) | $4,224 | $118,505 | $797 | $53 | $149 | $999 | $42,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.88% 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 |
|---|---|---|---|
| Sheridan County | $117,383 | -6.9% | 0.7% |
| Eddy County | $116,853 | -1.8% | 1% |
| Wells County | $128,455 | +0.5% | 0.98% |
| Adams County | $141,117 | +1.3% | 1% |
| Griggs County | $141,481 | -4.7% | 0.91% |
| Benson County | $141,965 | +2.9% | 0.91% |
| Burke County | $144,525 | +1.9% | 0.54% |
| Lamoure County | $152,175 | +4.3% | 1.01% |
| Emmons County | $156,341 | +18.9% | 0.91% |
| Nelson County | $157,031 | +12.3% | 0.75% |
Frequently asked questions
What is the average home price in Towner County, ND?
The typical home value in Towner County is $120,691 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Towner County?
About $34,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Towner County?
The median effective rate is 0.88% of home value a year (Census ACS 2024 5-year estimates).