North Dakota home prices and mortgage costs
Typical home value $290,657 · +5.1% in a year · property tax 0.92%
North Dakota ranks 36th most expensive of 51 states and D.C. Home values changed +5.1% over the past year and +19.0% over five years. Buying the typical home with 20% down costs about $1,933 a month at 7.11%, which needs a household income of about $82,800.
Cost of the typical North Dakota home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $58,131 | $232,525 | $1,564 | $0 | $369 | $1,933 | $82,800 |
| 10% down | $29,066 | $261,591 | $1,760 | $109 | $369 | $2,238 | $95,900 |
| 5% down | $14,533 | $276,124 | $1,858 | $115 | $369 | $2,341 | $100,300 |
| 3.5% down (FHA) | $10,173 | $285,392 | $1,920 | $129 | $369 | $2,417 | $103,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.92% 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.
Check a specific budget: how much house you can afford in North Dakota by salary · payment on a $300K home in North Dakota
Home prices by county in North Dakota
| County | Typical home | 1-yr change | Tax rate | Payment / month | Income needed |
|---|---|---|---|---|---|
| McKenzie County | $376,216 | +6.3% | 0.43% | $2,346 | $100,600 |
| Burleigh County | $370,274 | +5.2% | 0.88% | $2,450 | $105,000 |
| Dunn County | $367,789 | +8.5% | 0.61% | $2,349 | $100,700 |
| Williams County | $348,966 | +4.6% | 0.68% | $2,250 | $96,400 |
| Cass County | $339,508 | +4.0% | 1.2% | $2,335 | $100,100 |
| Morton County | $323,186 | +5.7% | 1.02% | $2,175 | $93,200 |
| Stark County | $323,057 | +3.9% | 0.89% | $2,139 | $91,700 |
| Grand Forks County | $300,182 | +7.8% | 1.15% | $2,053 | $88,000 |
| Ward County | $281,678 | +3.3% | 1.07% | $1,908 | $81,800 |
| Oliver County | $256,771 | +6.5% | 0.62% | $1,643 | $70,400 |
| Traill County | $233,747 | +8.2% | 1.03% | $1,576 | $67,600 |
| Mercer County | $233,278 | +5.1% | 1.1% | $1,586 | $68,000 |
| Richland County | $231,281 | +4.3% | 1.13% | $1,577 | $67,600 |
| Bottineau County | $230,235 | +9.9% | 0.72% | $1,492 | $64,000 |
| Ramsey County | $230,097 | +7.1% | 0.99% | $1,543 | $66,100 |
| Stutsman County | $228,961 | +5.9% | 1.1% | $1,556 | $66,700 |
| McLean County | $224,646 | +4.3% | 0.76% | $1,463 | $62,700 |
| Mountrail County | $215,626 | +2.6% | 0.52% | $1,362 | $58,400 |
| Sargent County | $205,756 | +4.9% | 1.12% | $1,402 | $60,100 |
| Ransom County | $203,703 | +7.1% | 1.02% | $1,370 | $58,700 |
| Kidder County | $203,596 | +8.6% | 0.58% | $1,295 | $55,500 |
| Barnes County | $196,408 | +5.8% | 1.03% | $1,324 | $56,800 |
| Renville County | $193,795 | +10.8% | 0.68% | $1,250 | $53,600 |
| Bowman County | $193,789 | +7.1% | 0.73% | $1,257 | $53,900 |
| Foster County | $190,154 | +7.1% | 1.19% | $1,307 | $56,000 |
| Dickey County | $190,013 | +15.2% | 0.92% | $1,263 | $54,100 |
| Golden Valley County | $188,290 | +5.3% | 0.89% | $1,247 | $53,500 |
| Walsh County | $171,502 | +6.2% | 1.07% | $1,162 | $49,800 |
| Cavalier County | $170,109 | +13.1% | 1.34% | $1,191 | $51,000 |
| McHenry County | $160,662 | +6.0% | 0.66% | $1,033 | $44,300 |
| Hettinger County | $157,940 | +32.3% | 1.12% | $1,076 | $46,100 |
| Pembina County | $157,472 | +8.6% | 1.01% | $1,059 | $45,400 |
| Nelson County | $157,031 | +12.3% | 0.75% | $1,021 | $43,800 |
| Emmons County | $156,341 | +18.9% | 0.91% | $1,038 | $44,500 |
| Lamoure County | $152,175 | +4.3% | 1.01% | $1,023 | $43,900 |
| Burke County | $144,525 | +1.9% | 0.54% | $914 | $39,200 |
| Benson County | $141,965 | +2.9% | 0.91% | $942 | $40,400 |
| Griggs County | $141,481 | -4.7% | 0.91% | $939 | $40,300 |
| Adams County | $141,117 | +1.3% | 1% | $947 | $40,600 |
| Wells County | $128,455 | +0.5% | 0.98% | $860 | $36,900 |
| Towner County | $120,691 | +7.7% | 0.88% | $798 | $34,200 |
| Sheridan County | $117,383 | -6.9% | 0.7% | $759 | $32,500 |
| Eddy County | $116,853 | -1.8% | 1% | $784 | $33,600 |
Metro areas in North Dakota
Frequently asked questions
What is the average home price in North Dakota?
The typical home in North Dakota is worth $290,657 according to the Zillow Home Value Index for September 2026.
How much income do you need to buy a house in North Dakota?
About $82,800 a year to buy the typical $290,657 home with 20% down at 7.11%, keeping housing under 28% of income.
What is the property tax rate in North Dakota?
The typical effective rate is 0.92% of the home's value a year (median taxes paid divided by median home value, Census ACS 2025).