Wahpeton, ND home prices
Typical home $227,868 · +4.4% in a year · income needed $66,600
The Wahpeton, ND metro area ranks 532 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +4.4% in a year and +20.5% over five years. With 20% down at 7.11%, the typical home costs about $1,554 a month including 1.13% property tax (Richland County rate).
Mortgage on the typical Wahpeton home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $45,574 | $182,295 | $1,226 | $0 | $328 | $1,554 | $66,600 |
| 10% down | $22,787 | $205,081 | $1,380 | $85 | $328 | $1,793 | $76,800 |
| 5% down | $11,393 | $216,475 | $1,456 | $90 | $328 | $1,874 | $80,300 |
| 3.5% down (FHA) | $7,975 | $223,741 | $1,505 | $101 | $328 | $1,934 | $82,900 |
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.
Counties in the Wahpeton area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Richland County, ND | $231,281 | +4.3% | 1.13% |
| Wilkin County, MN | $220,770 | +4.7% | 0.79% |
What can you afford in North Dakota on your salary? · North Dakota home prices · Salaries in North Dakota
Frequently asked questions
How much is a house in Wahpeton?
The typical home in the Wahpeton, ND metro area is worth $227,868 (Zillow, September 2026).
What salary do you need to buy a house in Wahpeton?
About $66,600 a year for the typical home with 20% down at 7.11%.