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City · 8,010 residents · Richland County, North Dakota

Wahpeton , North Dakota

In Wahpeton, a typical home is worth $171,300 and typical rent is $751 a month. Compared with all of Richland County, typical household income is 17% lower, the typical home value is 7% lower, and the share of households that own their home is 23 points lower.

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  • Typical home value

    $171,300

    7% below the county

    31% below North Dakota

    • Wahpeton
    • Richland
    • North Dakota

  • Typical rent

    $751a month

    About the same as the county

    21% below North Dakota

    • Wahpeton
    • Richland
    • North Dakota

  • Typical household income

    $62,750a year

    17% below the county

    18% below North Dakota

    • Wahpeton
    • Richland
    • North Dakota

  • Households that own their home

    45%

    23 points below the county

    17 points below North Dakota

    • Wahpeton
    • Richland
    • North Dakota

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

Market now, with Zillow data

Zillow data
Typical home value
$236,240
3.1% more than 12 months ago
Typical rent
$839 a month

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

Wahpeton is in Richland 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 Richland County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Wahpeton apart

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

  1. 45% of households in Wahpeton own their home, against 68% in Richland County.

  2. The typical household income in Wahpeton is $62,750, 17% less than in Richland County as a whole ($75,432).

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

The homes here

Housing in Wahpeton

What homes there are in Wahpeton, 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 Wahpeton there is a bit of everything: no kind of home reaches half. The most common are detached houses (46%); in Richland County, 68%.

Year built

In Wahpeton, half of the homes were built before 1975; in Richland County, before 1972.

There are fewer big homes in Wahpeton than in Richland County: 45% 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

At least 96% of owner-occupied homes in Wahpeton are worth less than $500,000, below the FHA loan limit for Richland County ($541,287).

Monthly rent with utilities

With a mortgage

$1,348 a month

Richland County: $1,559 a month

Without a mortgage

$538 a month

Richland County: $576 a month

Owners with a mortgage

50%

Richland County: 45%

In Wahpeton, 50% of owners have a mortgage, and their typical cost is $1,348 a month, against $1,559 in Richland County. Without one it drops to $538.

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 Wahpeton rose 39%; in Richland County, it rose 44%.

The typical rent in Wahpeton rose 12% since 2015–2019, about the same as in Richland County (11%).

The typical household income in Wahpeton rose 39% over that time; home values changed +39% and rent +12%.

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

MeasureWahpetonRichland CountyNorth DakotaUnited States
Rental vacancy Unreliable estimate7.7%8.3%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 1.912.212.282.53
Drive alone 78%77%78%69%
Carpool 6%7%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike 8%7%4%3%
Work from home 7%8%8%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate10 to 19 minutes10 to 19 minutes20 to 29 minutes

Fewer people live in each home here: 1.91 on average, against 2.21 in Richland County.

To get to work, 78% of workers in Wahpeton drive alone; in Richland County, 77%.

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 Wahpeton?

A typical home is tight for the typical income

We start with a typical home in Wahpeton, worth $171,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 28% of the typical household income in Wahpeton, which is $62,750 a year. For that payment to be 28% of income, a household would need to earn about $63,275 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Wahpeton. 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 $5,996 (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

$1,476

at 7.18% · 30 years

Loan amount
$168,197
Total interest
$241,996
Paid off in
November 2056

Includes $2,893 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,464 a month

  • Tight

    $1,464 to $1,883 a month

    Your payment · 28%

  • Hard

    more than $1,883 a month

Compared with the typical household income in Wahpeton ($62,750 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,476
Principal & interest$1,139
Property tax$190
Home insurance$71
FHA mortgage insurance (MIP)$76

You need at least $5,996 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

Wahpeton and Richland County

Wahpeton is in Richland 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).

Wahpeton's own numbers

Typical home value
$171,300
Typical monthly rent
$751
Typical yearly household income
$62,750
Households that own their home
45%
Effective property tax rate
1.33%

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

Numbers for all of Richland 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)
+49%
Homes in a high flood-risk zone
4.1%

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 Richland County.

Everything about Richland County

Buying

Buying a home in Wahpeton

A typical home in Wahpeton is worth $171,300: 7% below the county and 31% below North Dakota. With the typical household income in Wahpeton ($62,750 a year), a typical home costs 2.7 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.

  • Wahpeton 2.7 years
  • Richland 2.4 years
  • North Dakota 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Richland County

According to FHFA’s house price index, home prices in Richland County rose 81% in the 10 years through 2025.

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

Period County North Dakota U.S.
Last year (2025) +9.0% +5.1% +2.9%
5 years (2020–2025) +49% +34% +47%
10 years (2015–2025) +81% +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

Wahpeton next to Richland 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
  • Wahpeton $171,300
  • Richland $183,600
  • North Dakota $249,900
  • United States $332,700
Typical monthly rent
  • Wahpeton $751
  • Richland $740
  • North Dakota $954
  • United States $1,413
Typical yearly household income
  • Wahpeton $62,750
  • Richland $75,432
  • North Dakota $76,657
  • United States $80,734
See the full table
Wahpeton next to Richland County and North Dakota
Measure Wahpeton Richland County North Dakota U.S.
Typical home value $171,300 $183,600 $249,900 $332,700
Typical monthly rent $751 $740 $954 $1,413
Typical yearly household income $62,750 $75,432 $76,657 $80,734
Households that own their home 45% 68% 63% 65%
Typical yearly property tax $2,270 $2,066 $2,468 $3,119
Effective property tax rate 1.33% 1.13% 0.99% 0.94%
Renters with high rent for their income 33% 32% 39% 51%

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

For a typical $171,300 home in Wahpeton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Wahpeton's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,476a month

    Least cash to close
    Down payment
    $5,996
    Cash to close
    $11,135
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $76

  • Conventional, 5% down $1,445a month

    Down payment
    $8,565
    Cash to close
    $13,704
    Rate
    7.18%
    Mortgage insurance
    PMI · $81

  • Conventional, 20% down, no PMI $1,190a month

    Down payment
    $34,260
    Cash to close
    $39,399
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,348a month

    Down payment
    $25,695
    Cash to close
    $30,834
    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 Wahpeton and for Richland County.

Property tax

Effective rate in Wahpeton

1.33%of the home’s value each year

$2,270 a year for the typical owner in Wahpeton.

  • Wahpeton 1.33%
  • Richland 1.13%
  • 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 Richland County

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

Homes in the high-risk zone
4.1%
292
Of those, with NFIP insurance
11%
County North Dakota U.S.
Homes in the high-risk zone 4.1% 3.1% 3.5%
Of those, with NFIP insurance 11% 28% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Wahpeton

Typical rent in Wahpeton is $751 a month: about the same as the county. In Wahpeton, 33% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Richland 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 Richland 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 $770 $14.81 $30,800
1 bedroom $775 $14.90 $31,000
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 Wahpeton

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Wahpeton has 2 ZIP codes with their own.

For 2 bedrooms it is $1,020 in all of them.

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

  • 58075 $1,020$1,410
  • 58076 $1,020$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 Wahpeton 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 Wahpeton

HUD lists 8 buildings with rents for lower incomes in Wahpeton. These are the largest.

  • Dakota Edge 904 8th Ave S, Wahpeton 58075 50 homes, 49 low-income · 1 bd: 8 · 2 bd: 18 · 3 bd: 24 · In service since 1998 · For people with disabilities, families
  • Prairiewood Apts 813 6th St S, Wahpeton 58075 45 low-income homes · 1 bd: 3 · 2 bd: 24 · 3 bd: 18 · In service since 1995
  • Evergreen Manor 1320 3rd Ave N, Wahpeton 58075 32 low-income homes · For families (701) 356-9501
  • Rainbow Court I 97 7th Ave S, Wahpeton 58075 32 low-income homes · For families (701) 356-9501
  • Century Apts 746 6th St S, Wahpeton 58075 24 low-income homes · 1 bd: 2 · 2 bd: 22 · In service since 1996

See all 14 buildings in Richland County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Wahpeton

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

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Wahpeton

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

The HUD-approved agencies closest to the center of Wahpeton, 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 · 40 miles away

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

  • North Dakota Housing Finance Agency

    2624 Vermont Avenue, Bismarck · 200 miles away

    (701) 328-8060

  • Community Action Partnership - Minot Region

    2020 8th Ave SE, Minot · 257 miles away

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

All counseling agencies in North Dakota

Help in Spanish near Wahpeton

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 Wahpeton

HUD lists no housing authority with an office in Richland County. One in a neighboring county or the state’s may serve the area.

All housing agencies in North Dakota Source: HUD

Cities

Nearby cities

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

Everything about Richland County Housing in North Dakota

Neighboring counties

If Richland 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 Wahpeton.

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

Questions

Housing questions about Wahpeton

Short answers with the numbers for Wahpeton and all of Richland 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 Wahpeton?

The typical home value in Wahpeton is $171,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Richland County it is $183,600.

How much does it cost to rent in Wahpeton?

Typical rent in Wahpeton is $751 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Richland County is $1,014.

What is the FHA loan limit in Wahpeton?

Wahpeton uses the FHA limit for all of Richland 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 Wahpeton?

The typical homeowner in Wahpeton pays $2,270 a year, according to the U.S. Census Bureau. That is 1.33% of the home’s value; in Richland County, the rate is 1.13%.

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

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