Ward County, North Dakota home prices
Typical home $281,678 · +3.3% in a year · property tax 1.07%
The typical home in Ward County is worth $281,678, 3% less than the North Dakota typical home ($290,657). Values changed +3.3% in the past year and +26.9% over five years. Homeowners here pay a median 1.07% of their home's value in property tax each year ($3,015 on the typical home), versus 0.92% statewide.
Mortgage on the typical Ward County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $56,336 | $225,342 | $1,516 | $0 | $392 | $1,908 | $81,800 |
| 10% down | $28,168 | $253,510 | $1,705 | $106 | $392 | $2,203 | $94,400 |
| 5% down | $14,084 | $267,594 | $1,800 | $111 | $392 | $2,304 | $98,700 |
| 3.5% down (FHA) | $9,859 | $276,576 | $1,861 | $125 | $392 | $2,377 | $101,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.07% 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 Minot metro area.
North Dakota counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Grand Forks County | $300,182 | +7.8% | 1.15% |
| Oliver County | $256,771 | +6.5% | 0.62% |
| Stark County | $323,057 | +3.9% | 0.89% |
| Morton County | $323,186 | +5.7% | 1.02% |
| Traill County | $233,747 | +8.2% | 1.03% |
| Mercer County | $233,278 | +5.1% | 1.1% |
| 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% |
Frequently asked questions
What is the average home price in Ward County, ND?
The typical home value in Ward County is $281,678 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Ward County?
About $81,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Ward County?
The median effective rate is 1.07% of home value a year (Census ACS 2024 5-year estimates).