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City · 25,357 residents · Stark County, North Dakota

Dickinson , North Dakota

In Dickinson, a typical home is worth $263,700 and typical rent is $957 a month. Compared with all of Stark County, the share of households that own their home is 6 points lower.

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  • Typical home value

    $263,700

    3% below the county

    6% above North Dakota

    • Dickinson
    • Stark
    • North Dakota

  • Typical rent

    $957a month

    About the same as the county

    About the same as North Dakota

    • Dickinson
    • Stark
    • North Dakota

  • Typical household income

    $82,696a year

    2% below the county

    8% above North Dakota

    • Dickinson
    • Stark
    • North Dakota

  • Households that own their home

    61%

    6 points below the county

    2 points below North Dakota

    • Dickinson
    • Stark
    • North Dakota

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

Market now, with Zillow data

Zillow data
Typical home value
$332,168
4.1% more than 12 months ago
Typical rent
$1,244 a month
1.8% more than 12 months ago

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

Dickinson is in Stark 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 Stark County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Dickinson apart

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

  1. 61% of households in Dickinson own their home, against 67% in Stark County.

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

The homes here

Housing in Dickinson

What homes there are in Dickinson, 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 Dickinson, 5 in 10 homes are single-family detached houses; in Stark County, 6.

Year built

By age, homes in Dickinson look like those in Stark County: the typical year built is 1987.

There are fewer big homes in Dickinson than in Stark County: 56% have 3 bedrooms or more, against 62%.

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

The FHA loan limit for Stark County is $541,287, and about 94% of owner-occupied homes in Dickinson are worth less than that.

Monthly rent with utilities

With a mortgage

$1,818 a month

Stark County: $1,864 a month

Without a mortgage

$567 a month

Stark County: $582 a month

Owners with a mortgage

65%

Stark County: 60%

In Dickinson, 65% of owners have a mortgage; their typical cost is $1,818 a month, about the same as in Stark County.

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 Dickinson rose 11% since 2015–2019, about the same as in Stark County (14%).

Since 2015–2019, the typical rent in Dickinson did not change clearly, according to the Census.

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

MeasureDickinsonStark 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 3.6%3.2%2.2%3.4%
People per household 2.352.402.282.53
Drive alone 78%78%78%69%
Carpool 13%11%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate2%4%3%
Work from home 5%7%8%15%
Other means Unreliable estimate2%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes10 to 19 minutes20 to 29 minutes

In Dickinson, 3.6% of households live with more than one person per room, about the same as in Stark County.

By size, households in Dickinson look like those in Stark County: 2.35 people on average.

The car rules in Dickinson: 78% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

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 Dickinson?

A typical home is tight for the typical income

We start with a typical home in Dickinson, worth $263,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Dickinson, which is $82,696 a year. For that payment to be 28% of income, a household would need to earn about $93,828 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Dickinson. 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 $9,230 (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

$2,189

at 7.18% · 30 years

Loan amount
$258,923
Total interest
$372,530
Paid off in
November 2056

Includes $4,453 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,930 a month

  • Tight

    $1,930 to $2,481 a month

    Your payment · 32%

  • Hard

    more than $2,481 a month

Compared with the typical household income in Dickinson ($82,696 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,189
Principal & interest$1,754
Property tax$209
Home insurance$110
FHA mortgage insurance (MIP)$117

You need at least $9,230 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

Dickinson and Stark County

Dickinson is in Stark 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).

Dickinson's own numbers

Typical home value
$263,700
Typical monthly rent
$957
Typical yearly household income
$82,696
Households that own their home
61%
Effective property tax rate
0.95%

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

Numbers for all of Stark County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,231
Price change over 5 years (FHFA)
+27%
Homes in a high flood-risk zone
4.3%

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 Stark County.

Everything about Stark County

Buying

Buying a home in Dickinson

A typical home in Dickinson is worth $263,700: 3% below the county and 6% above North Dakota. With the typical household income in Dickinson ($82,696 a year), a typical home costs 3.2 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.

  • Dickinson 3.2 years
  • Stark 3.2 years
  • North Dakota 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Stark County

According to FHFA’s house price index, home prices in Stark County rose 27% in the 10 years through 2025.

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

Period County North Dakota U.S.
Last year (2025) +6.8% +5.1% +2.9%
5 years (2020–2025) +27% +34% +47%
10 years (2015–2025) +27% +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

Dickinson next to Stark 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
  • Dickinson $263,700
  • Stark $271,700
  • North Dakota $249,900
  • United States $332,700
Typical monthly rent
  • Dickinson $957
  • Stark $960
  • North Dakota $954
  • United States $1,413
Typical yearly household income
  • Dickinson $82,696
  • Stark $84,449
  • North Dakota $76,657
  • United States $80,734
See the full table
Dickinson next to Stark County and North Dakota
Measure Dickinson Stark County North Dakota U.S.
Typical home value $263,700 $271,700 $249,900 $332,700
Typical monthly rent $957 $960 $954 $1,413
Typical yearly household income $82,696 $84,449 $76,657 $80,734
Households that own their home 61% 67% 63% 65%
Typical yearly property tax $2,508 $2,411 $2,468 $3,119
Effective property tax rate 0.95% 0.89% 0.99% 0.94%
Renters with high rent for their income 41% 40% 39% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Stark 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 Dickinson

For a typical $263,700 home in Dickinson, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Dickinson's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,189a month

    Least cash to close
    Down payment
    $9,230
    Cash to close
    $17,141
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $117

  • Conventional, 5% down $2,141a month

    Down payment
    $13,185
    Cash to close
    $21,096
    Rate
    7.18%
    Mortgage insurance
    PMI · $125

  • Conventional, 20% down, no PMI $1,748a month

    Down payment
    $52,740
    Cash to close
    $60,651
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,992a month

    Down payment
    $39,555
    Cash to close
    $47,466
    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 Dickinson and for Stark County.

Property tax

Effective rate in Dickinson

0.95%of the home’s value each year

$2,508 a year for the typical owner in Dickinson.

  • Dickinson 0.95%
  • Stark 0.89%
  • 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 Stark County

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

Homes in the high-risk zone
4.3%
536
Of those, with NFIP insurance
13%
County North Dakota U.S.
Homes in the high-risk zone 4.3% 3.1% 3.5%
Of those, with NFIP insurance 13% 28% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Dickinson

Typical rent in Dickinson is $957 a month: about the same as the county. In Dickinson, 41% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Stark County, by unit size. To pay the 2-bedroom one ($1,231 a month) without spending more than 30% of your income, you would need to earn $23.67 an hour working full time.

HUD fair market rent for all of Stark 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 $1,038 $19.96 $41,520
1 bedroom $1,044 $20.08 $41,760
2 bedrooms $1,231 $23.67 $49,240
3 bedrooms $1,705 $32.79 $68,200
4 bedrooms $2,037 $39.17 $81,480

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 Dickinson

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Dickinson is in ZIP code 58601.

For 2 bedrooms it is $1,230: $1 less than the fair market rent for Stark County ($1,231).

  • 58601 $1,230$1,700

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Dickinson 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 Dickinson

HUD lists 16 buildings with rents for lower incomes in Dickinson. These are the largest.

  • Peaceful and Pioneer Haven Apartments 1043 Enterprise Ave, Dickinson 58601 106 homes, 74 low-income · For older adults (701) 483-1541
  • Pleasant Valley 1043 Nachtwey Dr, Dickinson 58601 58 low-income homes · For families (701) 369-2219
  • The Meadows 1000 Nachtwey Dr, Dickinson 58601 58 low-income homes · 1 bd: 34 · 2 bd: 24 · In service since 2007
  • Dickinson Place 2298 Sparrow Dr, Dickinson 58601 48 homes, 47 low-income · 3 bd: 48 · In service since 2006
  • Villard Terrace 22 4th Ave E, Dickinson 58601 42 low-income homes · 1 bd: 42 · In service since 1996 · For older adults

See all 16 buildings in Stark County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Dickinson

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 Stark County. The nearest ones are below; many serve by phone or online.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Dickinson

No down payment, repair or rent-help program on our list is for Dickinson or Stark County. The ones below are statewide in North Dakota: they work in Dickinson 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 Dickinson

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

  • North Dakota Housing Finance Agency

    2624 Vermont Avenue, Bismarck · 97 miles away

    (701) 328-8060

  • Community Action Partnership - Minot Region

    2020 8th Ave SE, Minot · 117 miles away

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

  • Southeastern North Dakota Community Action Ag

    3233 University Dr S, Fargo · 283 miles away

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

All counseling agencies in North Dakota

Help in Spanish near Dickinson

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 Dickinson

HUD’s record names them for Dickinson or Stark County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

All housing agencies in North Dakota Source: HUD

Cities

Nearby cities

The cities closest to Dickinson, with the typical home value.

Everything about Stark County Housing in North Dakota

Neighboring counties

If Stark 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 Dickinson.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Dickinson

Short answers with the numbers for Dickinson and all of Stark 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 Dickinson?

The typical home value in Dickinson is $263,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Stark County it is $271,700.

How much does it cost to rent in Dickinson?

Typical rent in Dickinson is $957 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Stark County is $1,231.

What is the FHA loan limit in Dickinson?

Dickinson uses the FHA limit for all of Stark 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 Dickinson?

The typical homeowner in Dickinson pays $2,508 a year, according to the U.S. Census Bureau. That is 0.95% of the home’s value; in Stark County, the rate is 0.89%.

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

We found no HUD-approved counseling agencies with an office in Stark 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).