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City · 15,787 residents · Stutsman County, North Dakota

Jamestown , North Dakota

In Jamestown, a typical home is worth $199,800 and typical rent is $773 a month. Compared with all of Stutsman County, typical household income is 9% lower and the share of households that own their home is 8 points lower.

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  • Typical home value

    $199,800

    4% below the county

    20% below North Dakota

    • Jamestown
    • Stutsman
    • North Dakota

  • Typical rent

    $773a month

    About the same as the county

    19% below North Dakota

    • Jamestown
    • Stutsman
    • North Dakota

  • Typical household income

    $56,554a year

    9% below the county

    26% below North Dakota

    • Jamestown
    • Stutsman
    • North Dakota

  • Households that own their home

    55%

    8 points below the county

    8 points below North Dakota

    • Jamestown
    • Stutsman
    • North Dakota

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

Market now, with Zillow data

Zillow data
Typical home value
$214,685
4.6% more than 12 months ago
Typical rent
$1,051 a month
5.7% more than 12 months ago

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

Jamestown is in Stutsman 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 Stutsman County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Jamestown apart

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

  1. Jamestown has the largest share of rent-burdened renters of the 12 cities in North Dakota with more than 5,000 people: 54%.

  2. Nearby, in Valley City, the typical home value is $162,200: 19% less than in Jamestown ($199,800).

  3. 55% of households in Jamestown own their home, against 63% in Stutsman County.

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

The homes here

Housing in Jamestown

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

Year built

The typical year built in Jamestown is 1974, about the same as in Stutsman County (1973).

Homes in Jamestown are smaller: 45% have 3 bedrooms or more; in Stutsman County, 52%.

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 limit for Stutsman County is high ($541,287): at least 96% of owner-occupied homes in Jamestown are worth less than $500,000.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Stutsman County is $1,014; about 71% of rents in Jamestown are below it.

With a mortgage

$1,514 a month

Stutsman County: $1,583 a month

Without a mortgage

$542 a month

Stutsman County: $550 a month

Owners with a mortgage

52%

Stutsman County: 49%

The typical cost for an owner with a mortgage in Jamestown is $1,514 a month, near the figure in Stutsman County ($1,583).

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 Jamestown rose 38% since 2015–2019, more than in Stutsman County (34%).

Rents in Jamestown rose at about the same pace as in Stutsman County: 14% since 2015–2019, against 13%.

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

MeasureJamestownStutsman 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 1.952.092.282.53
Drive alone 83%80%78%69%
Carpool 7%9%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike 4%4%4%3%
Work from home 5%7%8%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate10 to 19 minutes10 to 19 minutes20 to 29 minutes

Households in Jamestown are smaller: 1.95 people on average; in Stutsman County, 2.09.

To get to work, 83% of workers in Jamestown drive alone; in Stutsman 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 Jamestown?

A typical home costs more than the typical income allows

We start with a typical home in Jamestown, worth $199,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Jamestown, which is $56,554 a year. For that payment to be 28% of income, a household would need to earn about $73,517 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Jamestown. 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 $6,993 (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

$1,715

at 7.18% · 30 years

Loan amount
$196,181
Total interest
$282,259
Paid off in
November 2056

Includes $3,374 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,320 a month

  • Tight

    $1,320 to $1,697 a month

  • Hard

    more than $1,697 a month

    Your payment · 36%

Compared with the typical household income in Jamestown ($56,554 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,715
Principal & interest$1,329
Property tax$215
Home insurance$83
FHA mortgage insurance (MIP)$88

You need at least $6,993 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

Jamestown and Stutsman County

Jamestown is in Stutsman 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).

Jamestown's own numbers

Typical home value
$199,800
Typical monthly rent
$773
Typical yearly household income
$56,554
Households that own their home
55%
Effective property tax rate
1.29%

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

Numbers for all of Stutsman 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)
+34%
Homes in a high flood-risk zone
0.7%

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 Stutsman County.

Everything about Stutsman County

Buying

Buying a home in Jamestown

A typical home in Jamestown is worth $199,800: 4% below the county and 20% below North Dakota. With the typical household income in Jamestown ($56,554 a year), a typical home costs 3.5 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.

  • Jamestown 3.5 years
  • Stutsman 3.4 years
  • North Dakota 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Stutsman County

According to FHFA’s house price index, home prices in Stutsman County rose 48% in the 10 years through 2025.

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

Period County North Dakota U.S.
Last year (2025) +5.4% +5.1% +2.9%
5 years (2020–2025) +34% +34% +47%
10 years (2015–2025) +48% +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

Jamestown next to Stutsman 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
  • Jamestown $199,800
  • Stutsman $208,400
  • North Dakota $249,900
  • United States $332,700
Typical monthly rent
  • Jamestown $773
  • Stutsman $774
  • North Dakota $954
  • United States $1,413
Typical yearly household income
  • Jamestown $56,554
  • Stutsman $61,856
  • North Dakota $76,657
  • United States $80,734
See the full table
Jamestown next to Stutsman County and North Dakota
Measure Jamestown Stutsman County North Dakota U.S.
Typical home value $199,800 $208,400 $249,900 $332,700
Typical monthly rent $773 $774 $954 $1,413
Typical yearly household income $56,554 $61,856 $76,657 $80,734
Households that own their home 55% 63% 63% 65%
Typical yearly property tax $2,587 $2,289 $2,468 $3,119
Effective property tax rate 1.29% 1.1% 0.99% 0.94%
Renters with high rent for their income 54% 53% 39% 51%

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

For a typical $199,800 home in Jamestown, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Jamestown's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,715a month

    Least cash to close
    Down payment
    $6,993
    Cash to close
    $12,987
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $88

  • Conventional, 5% down $1,679a month

    Down payment
    $9,990
    Cash to close
    $15,984
    Rate
    7.18%
    Mortgage insurance
    PMI · $95

  • Conventional, 20% down, no PMI $1,381a month

    Down payment
    $39,960
    Cash to close
    $45,954
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,566a month

    Down payment
    $29,970
    Cash to close
    $35,964
    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 Jamestown and for Stutsman County.

Property tax

Effective rate in Jamestown

1.29%of the home’s value each year

$2,587 a year for the typical owner in Jamestown.

  • Jamestown 1.29%
  • Stutsman 1.1%
  • 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 Stutsman County

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

Homes in the high-risk zone
0.7%
55
Of those, with NFIP insurance
60%
County North Dakota U.S.
Homes in the high-risk zone 0.7% 3.1% 3.5%
Of those, with NFIP insurance 60% 28% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Jamestown

Typical rent in Jamestown is $773 a month: about the same as the county. In Jamestown, 54% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Stutsman 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 Stutsman 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 $790 $15.19 $31,600
1 bedroom $795 $15.29 $31,800
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 Jamestown

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

For 2 bedrooms it is $1,010 in all of them.

None is above the fair market rent for Stutsman County ($1,014).

  • 58401 $1,010$1,410
  • 58402 $1,010$1,410
  • 58405 $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 Jamestown 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 Jamestown

HUD lists 7 buildings with rents for lower incomes in Jamestown. These are the largest.

  • Jameshouse/Posthouse 222 1st Ave S, Jamestown 58401 106 low-income homes · 1 bd: 99 · 2 bd: 7 · In service since 2011 · For older adults, people with disabilities
  • James House 715 3rd Ave SE, Jamestown 58401 70 homes, 33 low-income · For older adults (701) 252-5215
  • Jamestown Court Rowhomes 217 4th Ave SE, Jamestown 58401 24 low-income homes · 1 bd: 14 · 2 bd: 10 · In service since 2016 · For older adults, people with disabilities
  • Legacy at Collage Hill 419 5th St NE, Jamestown 58401 20 low-income homes · For older adults (701) 271-3207
  • Asi Jamestown 1215 8th Ave NE, Jamestown 58401 18 low-income homes · For people with disabilities (800) 466-7722

See all 7 buildings in Stutsman County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Jamestown

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

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Jamestown

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

The HUD-approved agencies closest to the center of Jamestown, 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 · 90 miles away

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

  • North Dakota Housing Finance Agency

    2624 Vermont Avenue, Bismarck · 98 miles away

    (701) 328-8060

  • Community Action Partnership - Minot Region

    2020 8th Ave SE, Minot · 151 miles away

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

All counseling agencies in North Dakota

Help in Spanish near Jamestown

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 Jamestown

In HUD’s record, no housing authority with an office in Stutsman County is named for Jamestown or Stutsman County.

4 other authorities have an office in Stutsman County: see the list Source: HUD

Cities

Nearby cities

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

Everything about Stutsman County Housing in North Dakota

Neighboring counties

If Stutsman 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 Jamestown.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Jamestown

Short answers with the numbers for Jamestown and all of Stutsman 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 Jamestown?

The typical home value in Jamestown is $199,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Stutsman County it is $208,400.

How much does it cost to rent in Jamestown?

Typical rent in Jamestown is $773 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Stutsman County is $1,014.

What is the FHA loan limit in Jamestown?

Jamestown uses the FHA limit for all of Stutsman 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 Jamestown?

The typical homeowner in Jamestown pays $2,587 a year, according to the U.S. Census Bureau. That is 1.29% of the home’s value; in Stutsman County, the rate is 1.1%.

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

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