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City · 24,522 residents · Morton County, North Dakota

Mandan , North Dakota

In Mandan, a typical home is worth $259,800 and typical rent is $1,083 a month. Compared with all of Morton County, typical household income is 10% lower and the share of households that own their home is 5 points lower.

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  • Typical home value

    $259,800

    About the same as the county

    4% above North Dakota

    • Mandan
    • Morton
    • North Dakota

  • Typical rent

    $1,083a month

    About the same as the county

    14% above North Dakota

    • Mandan
    • Morton
    • North Dakota

  • Typical household income

    $71,780a year

    10% below the county

    6% below North Dakota

    • Mandan
    • Morton
    • North Dakota

  • Households that own their home

    69%

    5 points below the county

    6 points above North Dakota

    • Mandan
    • Morton
    • North Dakota

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

Market now, with Zillow data

Zillow data
Typical home value
$348,664
5.1% more than 12 months ago
Typical rent
$1,428 a month
5.5% more than 12 months ago

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

Mandan is in Morton 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 Morton County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Mandan apart

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

  1. Mandan has the highest homeownership rate of the 13 cities in North Dakota with more than 5,000 people: 69%.

  2. Nearby, in Devils Lake, the typical home value is $164,900: 37% less than in Mandan ($259,800).

  3. Nearby, in Devils Lake, the typical rent is $711: 34% less than in Mandan ($1,083).

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

The homes here

Housing in Mandan

What homes there are in Mandan, 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

Detached houses are the majority in Mandan (58%), but less so than in Morton County (65%).

Year built

Much as in Morton County, 64% of homes in Mandan have 3 bedrooms or more.

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 Morton County is $541,287, and about 89% of owner-occupied homes in Mandan are worth less than that.

Monthly rent with utilities

With a mortgage

$1,695 a month

Morton County: $1,763 a month

Without a mortgage

$641 a month

Morton County: $622 a month

Owners with a mortgage

59%

Morton County: 58%

The typical cost for an owner with a mortgage in Mandan is $1,695 a month, near the figure in Morton County ($1,763).

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 Mandan rose 21%; in Morton County, it rose 27%.

Much as in Morton County, the typical rent in Mandan rose 25% 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

MeasureMandanMorton 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 2.302.372.282.53
Drive alone 78%78%78%69%
Carpool 9%9%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate1%4%3%
Work from home 11%11%8%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutes10 to 19 minutes10 to 19 minutes20 to 29 minutes

A household in Mandan has 2.30 people on average, about the same as in Morton County (2.37).

The car rules in Mandan: 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 Mandan?

A typical home costs more than the typical income allows

We start with a typical home in Mandan, worth $259,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 37% of the typical household income in Mandan, which is $71,780 a year. For that payment to be 28% of income, a household would need to earn about $93,924 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Mandan. 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 $9,093 (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

$2,192

at 7.18% · 30 years

Loan amount
$255,094
Total interest
$367,021
Paid off in
November 2056

Includes $4,387 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,675 a month

  • Tight

    $1,675 to $2,153 a month

  • Hard

    more than $2,153 a month

    Your payment · 37%

Compared with the typical household income in Mandan ($71,780 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,192
Principal & interest$1,728
Property tax$240
Home insurance$108
FHA mortgage insurance (MIP)$115

You need at least $9,093 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

Mandan and Morton County

Mandan is in Morton 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).

Mandan's own numbers

Typical home value
$259,800
Typical monthly rent
$1,083
Typical yearly household income
$71,780
Households that own their home
69%
Effective property tax rate
1.11%

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

Numbers for all of Morton County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,067
Price change over 5 years (FHFA)
+35%
Homes in a high flood-risk zone
6.9%

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 Morton County.

Everything about Morton County

Buying

Buying a home in Mandan

A typical home in Mandan is worth $259,800: about the same as the county and 4% above North Dakota. With the typical household income in Mandan ($71,780 a year), a typical home costs 3.6 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.

  • Mandan 3.6 years
  • Morton 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 Morton County

According to FHFA’s house price index, home prices in Morton County rose 44% in the 10 years through 2025.

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

Period County North Dakota U.S.
Last year (2025) +5.3% +5.1% +2.9%
5 years (2020–2025) +35% +34% +47%
10 years (2015–2025) +44% +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

Mandan next to Morton 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
  • Mandan $259,800
  • Morton $263,900
  • North Dakota $249,900
  • United States $332,700
Typical monthly rent
  • Mandan $1,083
  • Morton $1,076
  • North Dakota $954
  • United States $1,413
Typical yearly household income
  • Mandan $71,780
  • Morton $79,382
  • North Dakota $76,657
  • United States $80,734
See the full table
Mandan next to Morton County and North Dakota
Measure Mandan Morton County North Dakota U.S.
Typical home value $259,800 $263,900 $249,900 $332,700
Typical monthly rent $1,083 $1,076 $954 $1,413
Typical yearly household income $71,780 $79,382 $76,657 $80,734
Households that own their home 69% 74% 63% 65%
Typical yearly property tax $2,874 $2,686 $2,468 $3,119
Effective property tax rate 1.11% 1.02% 0.99% 0.94%
Renters with high rent for their income 46% 44% 39% 51%

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

For a typical $259,800 home in Mandan, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Mandan's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,192a month

    Least cash to close
    Down payment
    $9,093
    Cash to close
    $16,887
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $115

  • Conventional, 5% down $2,144a month

    Down payment
    $12,990
    Cash to close
    $20,784
    Rate
    7.18%
    Mortgage insurance
    PMI · $123

  • Conventional, 20% down, no PMI $1,757a month

    Down payment
    $51,960
    Cash to close
    $59,754
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,997a month

    Down payment
    $38,970
    Cash to close
    $46,764
    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 Mandan and for Morton County.

Property tax

Effective rate in Mandan

1.11%of the home’s value each year

$2,874 a year for the typical owner in Mandan.

  • Mandan 1.11%
  • Morton 1.02%
  • 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 Morton County

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

Homes in the high-risk zone
6.9%
784
Of those, with NFIP insurance
8.2%
County North Dakota U.S.
Homes in the high-risk zone 6.9% 3.1% 3.5%
Of those, with NFIP insurance 8.2% 28% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Mandan

Typical rent in Mandan is $1,083 a month: about the same as the county. In Mandan, 46% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Morton County, by unit size. To pay the 2-bedroom one ($1,067 a month) without spending more than 30% of your income, you would need to earn $20.52 an hour working full time.

HUD fair market rent for all of Morton 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 $865 $16.63 $34,600
1 bedroom $927 $17.83 $37,080
2 bedrooms $1,067 $20.52 $42,680
3 bedrooms $1,477 $28.40 $59,080
4 bedrooms $1,696 $32.62 $67,840

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 Mandan

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Mandan is in ZIP code 58554.

For 2 bedrooms it is $1,100: $33 more than the fair market rent for Morton County ($1,067).

  • 58554 $1,100$1,520

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

HUD lists 4 buildings with rents for lower incomes in Mandan. These are the largest.

  • Library Square II 110 1st St NW, Mandan 58554 45 low-income homes · 1 bd: 18 · 2 bd: 27 · In service since 2009 · For older adults, people with disabilities
  • Library Square 100 1st St NW, Mandan 58554 46 homes, 44 low-income · 1 bd: 23 · 2 bd: 23 · In service since 2003
  • Lakewood Village 4200 McKenzie Dr SE, Mandan 58554 36 low-income homes · 2 bd: 18 · 3 bd: 18 · In service since 2004
  • Lakewood Townhomes 4000 29th St SE, Mandan 58554 24 homes

See all 4 buildings in Morton County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Mandan

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

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Mandan

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

The HUD-approved agencies closest to the center of Mandan, 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 · 7 miles away

    (701) 328-8060

  • Community Action Partnership - Minot Region

    2020 8th Ave SE, Minot · 98 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 · 193 miles away

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

All counseling agencies in North Dakota

Help in Spanish near Mandan

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 Mandan

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

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

Cities

Nearby cities

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

Everything about Morton County Housing in North Dakota

Neighboring counties

If Morton 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 Mandan.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Mandan

Short answers with the numbers for Mandan and all of Morton 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 Mandan?

The typical home value in Mandan is $259,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Morton County it is $263,900.

How much does it cost to rent in Mandan?

Typical rent in Mandan is $1,083 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Morton County is $1,067.

What is the FHA loan limit in Mandan?

Mandan uses the FHA limit for all of Morton 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 Mandan?

The typical homeowner in Mandan pays $2,874 a year, according to the U.S. Census Bureau. That is 1.11% of the home’s value; in Morton County, the rate is 1.02%.

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

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