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City · 59,042 residents · Grand Forks County, North Dakota

Grand Forks , North Dakota

In Grand Forks, a typical home is worth $249,900 and typical rent is $980 a month. Compared with all of Grand Forks County, typical household income is 7% lower and the share of households that own their home is 5 points lower.

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  • Typical home value

    $249,900

    About the same as the county

    About the same as North Dakota

    • Grand Forks
    • County
    • North Dakota

  • Typical rent

    $980a month

    About the same as the county

    3% above North Dakota

    • Grand Forks
    • County
    • North Dakota

  • Typical household income

    $63,627a year

    7% below the county

    17% below North Dakota

    • Grand Forks
    • County
    • North Dakota

  • Households that own their home

    46%

    5 points below the county

    16 points below North Dakota

    • Grand Forks
    • County
    • North Dakota

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

Market now, with Zillow data

Zillow data
Typical home value
$305,083
7.6% more than 12 months ago
Typical rent
$1,149 a month
3.9% more than 12 months ago

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

Grand Forks is in Grand Forks 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 Grand Forks County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Grand Forks apart

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

  1. Nearby, in Valley City, the typical home value is $162,200: 35% less than in Grand Forks ($249,900).

  2. Nearby, in Devils Lake, the typical rent is $711: 27% less than in Grand Forks ($980).

  3. 46% of households in Grand Forks own their home, against 52% in Grand Forks County.

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

The homes here

Housing in Grand Forks

What homes there are in Grand Forks, 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

There are more apartments in Grand Forks than in Grand Forks County: 44% of homes, against 37%.

Year built

In Grand Forks, half of the homes were built before 1984; in Grand Forks County, before 1982.

In Grand Forks, 20% of homes have 1 bedroom or none (studios); 48% have 3 bedrooms or more, against 53% in Grand Forks County.

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

By price, most homes in Grand Forks sit under the FHA limit for Grand Forks County ($541,287): about 91%.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Grand Forks County is $1,014: about 53% of rents in Grand Forks are below it.

With a mortgage

$1,705 a month

Grand Forks County: $1,736 a month

Without a mortgage

$649 a month

Grand Forks County: $646 a month

Owners with a mortgage

61%

Grand Forks County: 59%

In Grand Forks, 61% of owners have a mortgage; their typical cost is $1,705 a month, about the same as in Grand Forks 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

From 2015–2019 to 2020–2024, the typical home value in Grand Forks rose 19%; in Grand Forks County, it rose 22%.

Much as in Grand Forks County, the typical rent in Grand Forks rose 21% since 2015–2019.

Income in Grand Forks grew faster than housing: it rose 27%, while home values changed +19% and rent +21%.

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

MeasureGrand ForksGrand Forks CountyNorth DakotaUnited States
Rental vacancy 6.9%7.3%8.3%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.2%0.9%
More than one person per room 2.1%1.9%2.2%3.4%
People per household 2.092.182.282.53
Drive alone 79%78%78%69%
Carpool 8%9%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike 4%3%4%3%
Work from home 7%7%8%15%
Other means 2%2%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes10 to 19 minutes20 to 29 minutes

Much as in Grand Forks County, the rental vacancy rate in Grand Forks is 6.9%.

Much as in Grand Forks County, 2.1% of households in Grand Forks have more than one person per room.

Much as in Grand Forks County, a household in Grand Forks has 2.09 people on average.

In Grand Forks, 79% of workers drive alone to work; in Grand Forks County, 78%.

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 Grand Forks?

A typical home costs more than the typical income allows

We start with a typical home in Grand Forks, worth $249,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Grand Forks, which is $63,627 a year. For that payment to be 28% of income, a household would need to earn about $91,773 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Grand Forks. 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 $8,747 (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

$2,141

at 7.18% · 30 years

Loan amount
$245,373
Total interest
$353,034
Paid off in
November 2056

Includes $4,220 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,485 a month

  • Tight

    $1,485 to $1,909 a month

  • Hard

    more than $1,909 a month

    Your payment · 40%

Compared with the typical household income in Grand Forks ($63,627 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,141
Principal & interest$1,662
Property tax$265
Home insurance$104
FHA mortgage insurance (MIP)$111

You need at least $8,747 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

Grand Forks and Grand Forks County

Grand Forks is in Grand Forks 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).

Grand Forks's own numbers

Typical home value
$249,900
Typical monthly rent
$980
Typical yearly household income
$63,627
Households that own their home
46%
Effective property tax rate
1.27%

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

Numbers for all of Grand Forks 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)
+30%
Homes in a high flood-risk zone
1.7%

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 Grand Forks County.

Everything about Grand Forks County

Buying

Buying a home in Grand Forks

A typical home in Grand Forks is worth $249,900: about the same as the county and about the same as North Dakota. With the typical household income in Grand Forks ($63,627 a year), a typical home costs 3.9 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.

  • Grand Forks 3.9 years
  • County 3.7 years
  • North Dakota 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Grand Forks County

According to FHFA’s house price index, home prices in Grand Forks County rose 42% in the 10 years through 2025.

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

Period County North Dakota U.S.
Last year (2025) +5.4% +5.1% +2.9%
5 years (2020–2025) +30% +34% +47%
10 years (2015–2025) +42% +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

Grand Forks next to Grand Forks 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
  • Grand Forks $249,900
  • County $252,700
  • North Dakota $249,900
  • United States $332,700
Typical monthly rent
  • Grand Forks $980
  • County $992
  • North Dakota $954
  • United States $1,413
Typical yearly household income
  • Grand Forks $63,627
  • County $68,075
  • North Dakota $76,657
  • United States $80,734
See the full table
Grand Forks next to Grand Forks County and North Dakota
Measure Grand Forks Grand Forks County North Dakota U.S.
Typical home value $249,900 $252,700 $249,900 $332,700
Typical monthly rent $980 $992 $954 $1,413
Typical yearly household income $63,627 $68,075 $76,657 $80,734
Households that own their home 46% 52% 63% 65%
Typical yearly property tax $3,167 $2,900 $2,468 $3,119
Effective property tax rate 1.27% 1.15% 0.99% 0.94%
Renters with high rent for their income 45% 45% 39% 51%

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

For a typical $249,900 home in Grand Forks, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Grand Forks's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,141a month

    Least cash to close
    Down payment
    $8,747
    Cash to close
    $16,244
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $111

  • Conventional, 5% down $2,096a month

    Down payment
    $12,495
    Cash to close
    $19,992
    Rate
    7.18%
    Mortgage insurance
    PMI · $119

  • Conventional, 20% down, no PMI $1,723a month

    Down payment
    $49,980
    Cash to close
    $57,477
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,954a month

    Down payment
    $37,485
    Cash to close
    $44,982
    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 Grand Forks and for Grand Forks County.

Property tax

Effective rate in Grand Forks

1.27%of the home’s value each year

$3,167 a year for the typical owner in Grand Forks.

  • Grand Forks 1.27%
  • County 1.15%
  • 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 Grand Forks County

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

Homes in the high-risk zone
1.7%
314
Of those, with NFIP insurance
23%
County North Dakota U.S.
Homes in the high-risk zone 1.7% 3.1% 3.5%
Of those, with NFIP insurance 23% 28% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Grand Forks

Typical rent in Grand Forks is $980 a month: about the same as the county. In Grand Forks, 45% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Grand Forks 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 Grand Forks 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 $816 $15.69 $32,640
1 bedroom $821 $15.79 $32,840
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 Grand Forks

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Grand Forks has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,010 in 58203 to $1,380 in 58202.

2 of the 3 are above the fair market rent for Grand Forks County ($1,014).

  • 58201 $1,110$1,540
  • 58202 $1,380$1,910
  • 58203 $1,010$1,410

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Grand Forks 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 Grand Forks

HUD lists 29 buildings with rents for lower incomes in Grand Forks. These are the largest.

  • Emerald Square 502 N 48th St, Grand Forks 58203 182 low-income homes · For families (701) 780-2090
  • Cherry Heights Oak Manor 710 4th Ave S, Grand Forks 58201 124 low-income homes · For older adults (701) 746-2545
  • Lagrave Place 810 4th Ave S, Grand Forks 58201 66 low-income homes · For families (701) 746-2545
  • Continental Homes 1800 Continental Dr, Grand Forks 58201 64 low-income homes · For families (701) 746-2545
  • West Gate Village 1100 N 5th St, Grand Forks 58203 60 low-income homes · 2 bd: 40 · 3 bd: 20 · In service since 2004

See all 32 buildings in Grand Forks County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Grand Forks

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

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Grand Forks

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

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

  • Southeastern North Dakota Community Action Ag

    3233 University Dr S, Fargo · 76 miles away

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

  • North Dakota Housing Finance Agency

    2624 Vermont Avenue, Bismarck · 188 miles away

    (701) 328-8060

  • Community Action Partnership - Minot Region

    2020 8th Ave SE, Minot · 194 miles away

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

All counseling agencies in North Dakota

Help in Spanish near Grand Forks

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 Grand Forks

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

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

Cities

Nearby cities

The cities closest to Grand Forks, with the typical home value.

Everything about Grand Forks County Housing in North Dakota

Neighboring counties

If Grand Forks 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 Grand Forks.

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

Questions

Housing questions about Grand Forks

Short answers with the numbers for Grand Forks and all of Grand Forks 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 Grand Forks?

The typical home value in Grand Forks is $249,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Grand Forks County it is $252,700.

How much does it cost to rent in Grand Forks?

Typical rent in Grand Forks is $980 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Grand Forks County is $1,014.

What is the FHA loan limit in Grand Forks?

Grand Forks uses the FHA limit for all of Grand Forks 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 Grand Forks?

The typical homeowner in Grand Forks pays $3,167 a year, according to the U.S. Census Bureau. That is 1.27% of the home’s value; in Grand Forks County, the rate is 1.15%.

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

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