McLean County, ND Average Home Price (2026)
The average home price in McLean County, North Dakota is about $231,000 (the 2026 median across 11 ZIP codes, at ~$169/sq ft) — 3% more affordable than the North Dakota median and 20% more affordable than the typical U.S. home.
How McLean County compares
McLean County is about average for housing nationally: its typical home costs $231,000 against $237,000 for North Dakota and $289,000 for the U.S. Within the county, ZIP-level values run from about $103,000 to $454,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| McLean County | $231,000 | $169 |
| North Dakota | $237,000 | $122 |
| United States | $289,000 | $193 |
McLean County home prices by ZIP code
The 11 most valuable ZIP codes in McLean County (of 11 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 58559 Mercer | $454,000 | $239 | +97% |
| 58778 Ruso | $395,000 | $208 | +71% |
| 58531 Coleharbor | $358,000 | $169 | +55% |
| 58577 Washburn | $257,000 | $206 | +11% |
| 58540 Garrison | $255,000 | $275 | +10% |
| 58565 Coleharbor | $231,000 | $352 | +0% |
| 58779 Ryder | $228,000 | $120 | -1% |
| 58759 Max | $175,000 | $115 | -24% |
| 58576 Underwood | $161,000 | $99 | -30% |
| 58575 Turtle Lake | $137,000 | $110 | -41% |
| 58723 Butte | $103,000 | $54 | -55% |
Home value appreciation in McLean County
Home prices in McLean County have risen about 64% over the last 10 years (≈5.0% a year) and +210.1% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +27.0% — still rising. A home worth $231,000 today was worth roughly $141,198 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, North Dakota is +45.0% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for McLean County
Run the numbers for McLean County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in McLean County
To buy the typical $231,000 home in McLean County with 20% down, you need a household income of roughly $63,000 a year (about $1,470 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $75,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $11,600 | $1,820/mo | $78,000/yr |
| 10% (+PMI) | $23,100 | $1,740/mo | $75,000/yr |
| 20% | $46,200 | $1,470/mo | $63,000/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 McLean County
At about $169 per square foot, here is roughly how much home different budgets get you in McLean County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 890 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1180 sq ft | around the typical home here |
| $250k | 1480 sq ft | around the typical home here |
| $300k | 1780 sq ft | around the typical home here |
| $400k | 2370 sq ft | above 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.
Estimate a specific home in McLean County
Enter your ZIP and size for an instant estimate tailored to your exact area:
McLean County home prices: frequently asked
What is the average home price in McLean County, ND? +
What salary do you need to buy a house in McLean County? +
Which part of McLean County is most expensive? +
Are home values in McLean County going up? +
Browse all North Dakota cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.