North Dakota Average Home Price by City (2026)

The average home price in North Dakota (ND) is about $237,000 — the 2026 median, at ~$122/sq ft — 18% more affordable than the typical U.S. home.

$237,000
North Dakota median value
$122
Median price / sq ft
~1,940
sq ft a median budget buys
-18%
vs U.S. median
Bismarck — $357,000BismarckFargo — $272,000Fargo

Shaded by price · click a city to explore. Colour = median home value.

Considering a move to North Dakota?

Housing in North Dakota is 18% more affordable than the national average, with a typical home around $237,000 and a local rate near $122 per square foot. Among the 2 North Dakota cities we track, Bismarck is the most expensive (median $357,000) and Fargo is the most affordable (median $272,000) — so where you land in the state matters as much as the state itself.

Browse North Dakota cities

Bismarck$357,000Fargo$272,000

North Dakota home prices by county

7 North Dakota counties with enough data for their own page, priciest first:

Burleigh County$424,000Cass County$339,000Ward County$295,000Grand Forks County$264,000Richland County$236,000McLean County$231,000Walsh County$157,500

Don’t see your city? Use the free Home Value Estimator for any U.S. ZIP, see the most expensive ZIP codes in America, or browse the full U.S. directory.

Home value appreciation in North Dakota

Home prices in North Dakota have risen about 45% over the last 10 years (≈3.8% a year) and +125.8% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +5.1% — still rising. A home worth $237,000 today was worth roughly $163,448 ten years ago.

+5.1%
1-year change
+33.6%
5-year change
+45.0%
10-year change
+125.8%
20-year change

See where that trend takes a specific home with the home appreciation calculator — nationally the median state is +85.6% over 10 years. Past appreciation is a track record, not a forecast; local prices can fall.

Calculators for North Dakota

Run the numbers for North Dakota with the local rates already filled in — change any input to test your own situation.

Property taxannual tax at local effective ratesAffordability by salarythe price your income supports hereMonthly paymentPITI on a home at this priceRent affordabilityyour max rent vs the local medianUtility costselectric, gas, water and internet per monthHome insurancetypical premium for this stateCost to buildnew-construction cost per sq ft here

Salary needed to buy a home in North Dakota

To buy the typical $237,000 home in North Dakota with 20% down, you need a household income of roughly $64,000 a year (about $1,500 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $77,000, because the loan is bigger and mortgage insurance kicks in.

Down paymentCash downMonthly paymentIncome needed
5% (+PMI)$11,900$1,870/mo$80,000/yr
10% (+PMI)$23,700$1,790/mo$77,000/yr
20%$47,400$1,500/mo$64,000/yr

Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.

What your budget buys in North Dakota

At about $122 per square foot, here is roughly how much home different budgets get you in North Dakota:

BudgetApprox. sizeWhat that looks like locally
$150k1230 sq ftbelow the local median — condos, smaller or older homes
$200k1640 sq ftaround the typical home here
$250k2050 sq ftaround the typical home here
$300k2460 sq ftaround the typical home here
$400k3280 sq ftabove the median — larger homes or the pricier ZIPs

Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to North Dakota so you can compare your current home against every North Dakota city we track.

North Dakota home prices: frequently asked

What salary do you need to buy a house in North Dakota? +
For the typical $237,000 home in North Dakota, a household income of about $64,000 a year covers the payment with 20% down (a 30-year fixed at 6.5%, plus taxes and insurance, under the 28% rule). With 10% down you need roughly $77,000; with 5% down about $80,000.
What is the average home price in North Dakota? +
The average home price in North Dakota is about $237,000 as of 2026, at roughly $122 per square foot — 18% more affordable than the U.S. median of $289,000. That figure is the statewide median across the ZIP codes we track, which is what most price reports mean by the average.
What is the median home price in North Dakota (ND)? +
About $237,000 in 2026. The median is the mid-point home — half of homes cost more, half less — and it is the better yardstick than a true mean, which a handful of luxury sales can drag upward. At $122/sq ft, a median budget in North Dakota buys roughly 1,940 sq ft of home.
Where is North Dakota most and least expensive? +
Among the 2 North Dakota cities tracked here, Bismarck is the priciest (median $357,000) and Fargo is the most affordable (median $272,000). ZIP-level prices within one city vary further, so check the city page for your area.
Are home values in North Dakota going up? +
Over the last 10 years home prices in North Dakota changed about +45.0% (≈3.8% a year), and +5.1% in the latest year, according to the FHFA house price index through 2025. Over 20 years: +125.8%. Past gains are not a guarantee of future ones.