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State

Data from November 2026

Housing , home prices, rents and assistance in North Dakota (2026)

In North Dakota, a typical home is worth $249,900 and the typical rent is $954 a month. The FHA limit for a one-unit home is $541,287 in every one of its counties. 3 HUD-approved counseling agencies serve North Dakota; 0 say they serve you in Spanish.

Most populous:

Typical home value by county

  • Under $117,200
  • $117,200–$139,700
  • $139,700–$173,700
  • $173,700–$232,700
  • $232,700 or more
  • 1 with no data

Tap the map to see each county’s figure and open its page.

Typical home value
$249,900
25% less than the U.S.
U.S.: $332,700
Typical rent per month
$954
32% less than the U.S.
U.S.: $1,413
Typical household income
$76,657
5% less than the U.S.
U.S.: $80,734
FHA limit, 1 unit
$541,287
It is the same across North Dakota.
U.S.: $541,287 to $1,299,500
Property tax
0.99%
of value a year
The typical bill is $2,468 a year.
U.S.: 0.94%

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD)

In short

Living in North Dakota

In North Dakota, a typical home is worth $249,900: 25% less than in the United States overall. Prices change a lot by county: from $84,200 in McIntosh County to $349,600 in McKenzie County. The typical household earns $76,657 a year and the typical rent is $954 a month; 39% of renter households spend 30% or more of their income on housing. 63% of households own their home, and the typical property tax is $2,468 a year (about 0.99% of value).

The conforming loan limit for a one-unit home is $832,750 across North Dakota. To pay HUD’s fair rent for a 2-bedroom apartment in North Dakota ($1,102) without spending more than 30% of income, you need about $21.19 an hour working full time.

Source: Conforming loan limits (FHFA) Data from 2026 data Conforming loan limits (FHFA) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

The essentials in North Dakota

More on property tax

  • Primary Residence Credit

    Each year you can apply to the Office of State Tax Commissioner for this state credit against property tax. If your application is approved, you may receive up to $1,600. It is for people who own a home in North Dakota (house, mobile home, town home, duplex or condo) and live in it as their primary residence. Homes held in trusts also qualify. There are no age or income limits. Only one credit is available per household.

    North Dakota Office of State Tax Commissioner · Verified October 24, 2026

  • Deadline: apply online from January 1 to April 1

    The Primary Residence Credit application is submitted online at tax.nd.gov/prc during the annual application window, from January 1 to April 1.

    North Dakota Office of State Tax Commissioner · Verified October 24, 2026

  • Correcting the assessment: local boards of equalization in April

    The law says the public notice of the equalization meetings must state that each taxpayer has the right to appear before the appropriate board of review or equalization and ask for a correction of their assessment. In a city, these meetings are held within the first 15 days of April. In an organized township, they are held during the month of April.

    North Dakota Legislative Branch (North Dakota Century Code, chapter 57-02) · Verified October 24, 2026

  • Homestead credit for people 65 or older or with a disability

    If you are 65 or older, or permanently and totally disabled, and your income is within the limit, the taxable valuation of your homestead is reduced. With income up to $40,000, the reduction is 100 percent of the taxable valuation, up to a maximum of $9,000 of taxable valuation. With income over $40,000 and up to $70,000, the reduction is 50 percent, up to a maximum of $4,500 of taxable valuation. The reduction continues if you do not live in the home because you are in a nursing home, hospital or other care facility, as long as the part of the home you lived in is not rented to another person.

    North Dakota Legislative Branch (North Dakota Century Code, chapter 57-02) · Verified October 24, 2026

  • The constitution bars real estate transfer and mortgage taxes

    Neither the state nor counties, townships, cities or other political subdivisions may impose mortgage taxes, or sales or transfer taxes on the mortgage or transfer of real property. There is no state transfer tax when you buy a home in North Dakota.

    North Dakota Legislative Branch (North Dakota Constitution, Article X) · Verified October 24, 2026

The homes here

Housing in North Dakota

What homes there are in North Dakota, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In North Dakota, 6 in 10 homes are single-family detached houses; in the U.S., 6.

Year built

By age, homes in North Dakota look like those in the U.S.: the typical year built is 1982.

In North Dakota, 59% of homes have 3 bedrooms or more, about the same as in the U.S..

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

Looking at what owner-occupied homes in North Dakota are worth, the most common range is between $300K and $500K (27%).

Monthly rent with utilities

Looking at what people pay in rent in North Dakota, the most common range is between $500 and $999 a month (47%).

With a mortgage

$1,762 a month

United States: $1,963 a month

Without a mortgage

$590 a month

United States: $638 a month

Owners with a mortgage

52%

United States: 61%

The typical cost for an owner with a mortgage in North Dakota is $1,762 a month, less than in the U.S. ($1,963); without one, $590.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in North Dakota rose 29% since 2015–2019, less than in the U.S. (53%).

Since 2015–2019, the typical rent in North Dakota rose 16%, less than in the U.S. (33%).

While home values in North Dakota changed +29% and rent +16%, the typical household income rose 18%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureNorth DakotaUnited States
Rental vacancy 8.3%5.5%
Homeowner vacancy 1.2%0.9%
More than one person per room 2.2%3.4%
People per household 2.282.53
Drive alone 78%69%
Carpool 9%9%
Public transit 0%3%
Walk or bike 4%3%
Work from home 8%15%
Other means 1%2%
Typical commute 10 to 19 minutes20 to 29 minutes

There is more rental housing open in North Dakota: 8.3% is empty and offered for rent, against 5.5% in the U.S..

More than one person per room: that is how 2.2% of households in North Dakota live, less than in the U.S. (3.4%).

Fewer people live in each home here: 2.28 on average, against 2.53 in the U.S..

To get to work, 78% of workers in North Dakota drive alone; in the U.S., 69%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Places

Explore the counties in North Dakota

Sort by any column or type a name. The 25 most populous are shown; the button reveals the rest.

See the counties page

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

Calculator

Work out your payment in North Dakota

Start from the typical home value in North Dakota, $249,900, and this week’s average rate. Move the price and the down payment to see your monthly payment. If you already visited a county, the calculator uses its numbers.

More math for North Dakota

$
%

Estimated monthly payment

$2,083

FHA loan over 30 years, with estimated taxes and insurance.

See the full calculation

Prices and risks

Three official measures that help you decide: how much home prices have changed according to FHFA, how prices compare with the national average according to BEA, and how many homes sit in a flood zone according to FEMA.

Home prices

How have home prices changed?

According to the FHFA House Price Index, home prices in North Dakota rose 45% in the 10 years through 2025.

Price change each year

Period North Dakota United States
In 2025 +5.1% +2.9%
5 years (2020–2025) +34% +47%
10 years (2015–2025) +45% +85%

The index follows the prices of the same homes over time (sales and appraisals on loans bought or guaranteed by Fannie Mae and Freddie Mac). It is not the average price of a home. FHFA considers its annual state indexes experimental.

Source: FHFA House Price Index (HPI) Data from 2025 data FHFA House Price Index (HPI)

Cost of living

How expensive are prices here?

According to the Bureau of Economic Analysis (BEA), in 2024 prices in North Dakota were 11% lower than the U.S. average. Housing rents were 29% lower than nationwide.

Category North Dakota United States Versus the U.S.
All prices Consumer goods and services 89.0 100.0 11% less
Housing rents What renters pay 71.4 100.6 29% less
Water, power and gas Water, sewer, electricity and gas 73.7 98.4 25% less
Goods Food, clothing, transportation and more 95.7 99.6 4% less
Other services Services other than rent 91.2 100.1 9% less

BEA expresses each index as a percentage of the average U.S. price level: a higher number means higher prices, and a lower one, lower prices.

Source: Regional price parities (BEA) Data from 2024 data Regional price parities (BEA)

Flooding

Is there a flood risk?

According to FEMA, in North Dakota 3.1% of homes (8,620) are in a high-risk flood zone. Of those homes, 28% have NFIP flood insurance.

  • A high-risk zone (Special Flood Hazard Area) has a 1% or greater chance of flooding each year. 44 CFR 59.1
  • If the home is in that zone and the loan comes from a regulated lender, federal law requires flood insurance for the life of the loan, in communities that take part in the NFIP. 42 U.S.C. 4012a
  • Most homeowners insurance does not cover flood damage. FEMA, FloodSmart
North Dakota United States
Homes in a high-risk zone 3.1% 3.5%
Of those, with NFIP insurance 28% 48%
All homes with NFIP insurance 1.8% 2.9%

The NFIP is the federal flood insurance program; private policies are not counted. FEMA counts homes with its National Structure Inventory. We add up the county figures FEMA publishes.

Look up your address on FEMA’s map Source: Homes with flood insurance (NFIP, FEMA) As of August 3, 2026 Homes with flood insurance (NFIP, FEMA)

Places

Cities in North Dakota

The 7 most populous cities with a page. Each one compares its prices and rents with its county.

See the other cities (6)

    Help to buy

    Assistance programs in North Dakota

    Our list has 2 official programs that help you buy in North Dakota. Each card says what kind of help it gives and when we checked its official page.

    See all 2 programs
    1. FirstHome Start

      With the North Dakota state agency's FirstHome mortgage, the buyer gets 3% of the loan as a credit toward the cash due at closing (down payment, closing costs and prepaid expenses); it cannot be combined with other assistance. Offered by North Dakota Housing Finance Agency (NDHFA).

      Grant Verified November 5, 2026

    2. DCA

      North Dakota state agency help for low-income buyers with an agency mortgage: 3% of the loan as a credit toward the cash you need at closing (down payment, closing costs and prepaid expenses); it cannot be combined with other assistance. Offered by North Dakota Housing Finance Agency (NDHFA).

      Grant Verified November 5, 2026

    Tenant rights

    Tenant rights in North Dakota

    North Dakota law answers 5 of these 5 questions, each answer with its citation. Where it says “Data not available”, we have not verified it against the source yet.

    A summary of state law, not legal advice. Cities may have additional rules.

    See every right

    1. How much can they charge for a deposit?

      In North Dakota, a landlord cannot ask for or accept a security deposit of more than one month's rent. There are two exceptions: the landlord may accept up to two months' rent from a person convicted of a felony, as an incentive to rent to that person, and may ask for up to two months' rent from a person who has a court judgment for violating a previous rental agreement. Separately, the landlord may charge a pet deposit of up to $2,500 or two months' rent, whichever is greater. That pet deposit does not apply to a service or companion animal that a tenant with a disability needs as a reasonable accommodation under fair housing laws.

      N.D. Cent. Code §47-16-07.1(1)-(2)

    2. When must they return my deposit?

      If the landlord does not return your whole deposit when the lease ends, the landlord must itemize what was kept. The landlord must deliver or mail you that itemization and the amount due, with a written notice, within 30 days after the lease ends and you hand over possession. It goes to the last address you gave. The notice must state any amount you still owe or the refund due to you.

      N.D. Cent. Code §47-16-07.1(3)

    3. If I fall behind on rent, what notice must I get?

      Before starting an eviction case in court for unpaid rent, for staying after the lease ends, or for breaking an important term of the written lease, the landlord must give you a written 3-day notice of intention to evict. The notice is delivered the same way as a court summons. If you cannot be found, the county sheriff or a process server may post it where it can be clearly seen on the property.

      N.D. Cent. Code §47-32-02

    4. How much notice ends a month-to-month rental?

      In a month-to-month tenancy, you or the landlord can end it at any time with at least one calendar month's written notice, unless you agreed in writing to a longer notice period or a different notice time. Rent is due up to and including the end date. If the landlord changes the lease terms under section 47-16-07, you can end the lease at the end of the month with at least 25 days' notice.

      N.D. Cent. Code §47-16-15(2)-(3)

    5. Are there limits on late fees?

      In North Dakota, this rule covers only mobile home parks. A park may not charge a monthly late fee of more than 10% of the monthly rent. On top of that monthly fee, it may not charge a daily late fee of more than $5 per day.

      N.D. Cent. Code §47-10-28(11)

    Three generations of a family gather on the porch of their home.

    Help and advice

    Who can help you in North Dakota?

    You do not have to do this alone. A HUD-approved housing counselor gives independent advice on buying, renting, late payments and credit, often free or at low cost.

    3 HUD-approved counseling agencies serve North Dakota; 0 say they serve you in Spanish. Choose your county to see the closest ones with their phone number.

    26 public housing authorities run Section 8 vouchers and public housing in North Dakota.

    See all 3 agencies See the housing agencies

    Who runs the help in North Dakota

    • North Dakota Housing Finance Agency (NDHFA)

      The North Dakota Housing Finance Agency (NDHFA) is a self-supporting state agency dedicated to making housing affordable for all North Dakotans. It offers affordable home financing to low- to moderate-income families and helps ensure suitable rental housing stays available for households of modest means.

      The agency's official page · Verified October 24, 2026

    Where to file a complaint in North Dakota

    • Where to file a housing discrimination complaint

      The North Dakota Department of Labor and Human Rights takes housing discrimination complaints. If you are a buyer, tenant, or former or prospective tenant and believe you were the target of unlawful discrimination, you may file a complaint. It is best to file as soon as possible. The deadline is one year from the "last date of harm", the date you believe the most recent discriminatory event occurred.

      North Dakota Department of Labor and Human Rights · Verified October 24, 2026

    • Insurance questions and complaints

      The North Dakota Insurance Department's online complaint database is for complaints only, not questions. If you have a question about insurance, you can email insurance@nd.gov or call its office at (701) 328-2440.

      North Dakota Insurance Department · Verified October 24, 2026

    Guides

    Guides for you in North Dakota

    We picked them with the numbers of North Dakota. Each one says why it can help you.

    Frequently asked questions about housing in North Dakota

    What is the FHA limit in North Dakota in 2026?

    In North Dakota, the FHA limit for a one-unit home is $541,287 in every one of its counties.

    How much does a typical home cost in North Dakota?

    The typical home value in North Dakota is $249,900 (Average 2020–2024, U.S. Census). The highest is in McKenzie County ($349,600) and the lowest in McIntosh County ($84,200).

    How much does it cost to rent in North Dakota?

    The typical rent in North Dakota is $954 a month (Average 2020–2024, U.S. Census).

    How much do you need to earn to rent a 2-bedroom apartment in North Dakota?

    At HUD's average fair market rent in North Dakota ($1,102, Fiscal year 2027), about $21.19 an hour working full time, so rent stays under 30% of income.

    How much is property tax in North Dakota?

    The typical property tax in North Dakota is $2,468 a year, about 0.99% of home value (Average 2020–2024, U.S. Census).

    Where can I find free help in Spanish to buy a home in North Dakota?

    There are 3 HUD-approved counseling agencies in North Dakota; 0 say they serve you in Spanish. Each county page lists the closest ones with their phone number.

    Sources: American Community Survey (Average 2020–2024); FHA mortgage limits (2026 data); Conforming loan limits (2026 data); Fair Market Rents (Fiscal year 2027); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (Retrieved November 6, 2026); FHFA House Price Index (2025 data); Homes with flood insurance (As of August 3, 2026); Regional price parities (2024 data); Census Bureau cartographic boundary files (2024 data).