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City · 7,308 residents · Ramsey County, North Dakota

Devils Lake , North Dakota

In Devils Lake, a typical home is worth $164,900 and typical rent is $711 a month. Compared with all of Ramsey County, typical household income is 29% lower, the typical home value is 17% lower, and the share of households that own their home is 15 points lower.

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  • Typical home value

    $164,900

    17% below the county

    34% below North Dakota

    • Devils Lake
    • Ramsey
    • North Dakota

  • Typical rent

    $711a month

    About the same as the county

    25% below North Dakota

    • Devils Lake
    • Ramsey
    • North Dakota

  • Typical household income

    $43,220a year

    29% below the county

    44% below North Dakota

    • Devils Lake
    • Ramsey
    • North Dakota

  • Households that own their home

    39%

    15 points below the county

    23 points below North Dakota

    • Devils Lake
    • Ramsey
    • North Dakota

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$242,431
7.4% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Devils Lake is in Ramsey County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Ramsey County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Devils Lake apart

What this place has that others do not, from public data, most unusual first.

  1. Devils Lake has the lowest typical rent of the 13 cities in North Dakota with more than 5,000 people: $711.

  2. Devils Lake has the lowest typical household income of the 13 cities in North Dakota with more than 5,000 people: $43,220.

  3. 39% of households in Devils Lake own their home, against 55% in Ramsey County.

  4. The typical home in Devils Lake is worth $164,900, 17% less than in Ramsey County as a whole ($199,300).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Devils Lake

What homes there are in Devils Lake, 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

Homes in Devils Lake are varied: detached houses are the largest group, at 41%, against 58% in Ramsey County.

Year built

By age, homes in Devils Lake look like those in Ramsey County: the typical year built is 1976.

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
Monthly rent with utilities

By rent, most homes in Devils Lake cost less than HUD's 2-bedroom fair market rent ($1,014): about 79%.

With a mortgage

$1,205 a month

Ramsey County: $1,527 a month

Without a mortgage

$478 a month

Ramsey County: $550 a month

Owners with a mortgage

47%

Ramsey County: 43%

Owning costs less in Devils Lake: with a mortgage, the typical cost is $1,205 a month; in Ramsey County, $1,527. Without one, $478.

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

From 2015–2019 to 2020–2024, the typical home value in Devils Lake did not change clearly: the difference is within the Census margin of error.

Much as in Ramsey County, the typical rent in Devils Lake rose 26% since 2015–2019.

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

MeasureDevils LakeRamsey CountyNorth DakotaUnited States
Rental vacancy Unreliable estimateUnreliable estimate8.3%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.2%0.9%
More than one person per room Unreliable estimateUnreliable estimate2.2%3.4%
People per household 1.832.042.282.53
Drive alone 77%80%78%69%
Carpool Unreliable estimate10%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimateUnreliable estimate4%3%
Work from home Unreliable estimateUnreliable estimate8%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimateUnreliable estimate10 to 19 minutes20 to 29 minutes

Households in Devils Lake are smaller: 1.83 people on average; in Ramsey County, 2.04.

To get to work, 77% of workers in Devils Lake drive alone; in Ramsey County, 80%.

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

Do the math

What would you pay each month for a home in Devils Lake?

A typical home costs more than the typical income allows

We start with a typical home in Devils Lake, worth $164,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in Devils Lake, which is $43,220 a year. For that payment to be 28% of income, a household would need to earn about $59,675 a year.

The calculator's FHA and conventional loan limits are those of all of Ramsey County.

Your numbers

Local data
$

Starts at the typical home value in Devils Lake. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $5,772 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,392

at 7.18% · 30 years

Loan amount
$161,913
Total interest
$232,954
Paid off in
November 2056

Includes $2,785 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,008 a month

  • Tight

    $1,008 to $1,297 a month

  • Hard

    more than $1,297 a month

    Your payment · 39%

Compared with the typical household income in Devils Lake ($43,220 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,392
Principal & interest$1,097
Property tax$154
Home insurance$69
FHA mortgage insurance (MIP)$73

You need at least $5,772 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Devils Lake and Ramsey County

Devils Lake is in Ramsey County, North Dakota. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Devils Lake's own numbers

Typical home value
$164,900
Typical monthly rent
$711
Typical yearly household income
$43,220
Households that own their home
39%
Effective property tax rate
1.12%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Ramsey County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,014
Price change over 5 years (FHFA)
+36%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Ramsey County.

Everything about Ramsey County

Buying

Buying a home in Devils Lake

A typical home in Devils Lake is worth $164,900: 17% below the county and 34% below North Dakota. With the typical household income in Devils Lake ($43,220 a year), a typical home costs 3.8 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Devils Lake 3.8 years
  • Ramsey 3.3 years
  • North Dakota 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Ramsey County

According to FHFA’s house price index, home prices in Ramsey County rose 54% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Ramsey County.

Period County North Dakota U.S.
Last year (2025) +6.6% +5.1% +2.9%
5 years (2020–2025) +36% +34% +47%
10 years (2015–2025) +54% +45% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Devils Lake next to Ramsey County, North Dakota and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Devils Lake $164,900
  • Ramsey $199,300
  • North Dakota $249,900
  • United States $332,700
Typical monthly rent
  • Devils Lake $711
  • Ramsey $714
  • North Dakota $954
  • United States $1,413
Typical yearly household income
  • Devils Lake $43,220
  • Ramsey $61,006
  • North Dakota $76,657
  • United States $80,734
See the full table
Devils Lake next to Ramsey County and North Dakota
Measure Devils Lake Ramsey County North Dakota U.S.
Typical home value $164,900 $199,300 $249,900 $332,700
Typical monthly rent $711 $714 $954 $1,413
Typical yearly household income $43,220 $61,006 $76,657 $80,734
Households that own their home 39% 55% 63% 65%
Typical yearly property tax $1,851 $1,976 $2,468 $3,119
Effective property tax rate 1.12% 0.99% 0.99% 0.94%
Renters with high rent for their income 47% 46% 39% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Ramsey County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Devils Lake

For a typical $164,900 home in Devils Lake, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Devils Lake's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,392a month

    Least cash to close
    Down payment
    $5,772
    Cash to close
    $10,719
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $73

  • Conventional, 5% down $1,362a month

    Down payment
    $8,245
    Cash to close
    $13,192
    Rate
    7.18%
    Mortgage insurance
    PMI · $78

  • Conventional, 20% down, no PMI $1,116a month

    Down payment
    $32,980
    Cash to close
    $37,927
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,269a month

    Down payment
    $24,735
    Cash to close
    $29,682
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Devils Lake and for Ramsey County.

Property tax

Effective rate in Devils Lake

1.12%of the home’s value each year

$1,851 a year for the typical owner in Devils Lake.

  • Devils Lake 1.12%
  • Ramsey 0.99%
  • North Dakota 0.99%

What North Dakota publishes Primary Residence Credit (North Dakota Office of State Tax Commissioner)

Exemptions and deadlines in North Dakota

Flood risk in Ramsey County

FEMA does not publish these numbers by city: they are for all of Ramsey County.

FEMA’s maps count no homes in the high-risk zone in Ramsey County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Devils Lake

Typical rent in Devils Lake is $711 a month: about the same as the county. In Devils Lake, 47% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Ramsey County, by unit size. To pay the 2-bedroom one ($1,014 a month) without spending more than 30% of your income, you would need to earn $19.50 an hour working full time.

HUD fair market rent for all of Ramsey County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $762 $14.65 $30,480
1 bedroom $852 $16.38 $34,080
2 bedrooms $1,014 $19.50 $40,560
3 bedrooms $1,404 $27.00 $56,160
4 bedrooms $1,695 $32.60 $67,800

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Devils Lake

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Devils Lake is in ZIP code 58301.

For 2 bedrooms it is $1,010: $4 less than the fair market rent for Ramsey County ($1,014).

  • 58301 $1,010$1,410

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Devils Lake when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Devils Lake

HUD lists 11 buildings with rents for lower incomes in Devils Lake. These are the largest.

  • Sky View Apartments 605 3rd St NE, Devils Lake 58301 87 homes, 82 low-income · Run by North Central Housing Authority · Average payment: $395 a month · Average wait: 4 months (701) 662-3099
  • Ioof Retirement Village I 203 Village Ave SE, Devils Lake 58301 78 homes, 51 low-income · For older adults (701) 662-3119
  • Gilbertson/Firehouse Apts 418 5th St SE, Devils Lake 58301 40 low-income homes · 1 bd: 33 · 2 bd: 7 · In service since 2007 · For families
  • Holiday Village 223 Walnut St W, Devils Lake 58301 40 low-income homes · 1 bd: 20 · 2 bd: 10 · 3 bd: 10 · In service since 2001 · For older adults (701) 662-4776
  • Great Northern Senior Citizens Housing 201 4th Ave NE, Devils Lake 58301 38 low-income homes · For older adults (701) 662-4776

See all 11 buildings in Ramsey County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Devils Lake

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Ramsey County. The nearest ones are below; many serve by phone or online.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Devils Lake

No down payment, repair or rent-help program on our list is for Devils Lake or Ramsey County. The ones below are statewide in North Dakota: they work in Devils Lake the same as in the rest of the state.

Which programs do I qualify for? All programs in North Dakota

  • FirstHome Start

    Statewide in North Dakota

    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

    See the program Official page

  • DCA

    Statewide in North Dakota

    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

    See the program Official page

Housing counselors near Devils Lake

The HUD-approved agencies closest to the center of Devils Lake, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Community Action Partnership - Minot Region

    2020 8th Ave SE, Minot · 110 miles away

    • Budget and financial counseling
    • Homelessness services
    • and 1 more
    (701) 839-7221

  • North Dakota Housing Finance Agency

    2624 Vermont Avenue, Bismarck · 126 miles away

    (701) 328-8060

  • Southeastern North Dakota Community Action Ag

    3233 University Dr S, Fargo · 131 miles away

    • Budget and financial counseling
    • Homelessness services
    • and 1 more
    (701) 232-2452

All counseling agencies in North Dakota

Help in Spanish near Devils Lake

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Devils Lake

In HUD’s record, no housing authority with an office in Ramsey County is named for Devils Lake or Ramsey County.

One other authority has an office in Ramsey County: see the list Source: HUD

Cities

Nearby cities

The cities closest to Devils Lake, with the typical home value.

Everything about Ramsey County Housing in North Dakota

Neighboring counties

If Ramsey County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Devils Lake.

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

Questions

Housing questions about Devils Lake

Short answers with the numbers for Devils Lake and all of Ramsey County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Devils Lake?

The typical home value in Devils Lake is $164,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Ramsey County it is $199,300.

How much does it cost to rent in Devils Lake?

Typical rent in Devils Lake is $711 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Ramsey County is $1,014.

What is the FHA loan limit in Devils Lake?

Devils Lake uses the FHA limit for all of Ramsey County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Devils Lake?

The typical homeowner in Devils Lake pays $1,851 a year, according to the U.S. Census Bureau. That is 1.12% of the home’s value; in Ramsey County, the rate is 0.99%.

Where can I find free help to buy or rent in Devils Lake?

We found no HUD-approved counseling agencies with an office in Ramsey County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).