North Dakota Housing Affordability Index

Daily affordability score for North Dakota compared to the national average — updated every night using live mortgage rates and U.S. Census Bureau income and home value data.

Live Score

North Dakota

118.3

More Affordable Than Avg

MBR-HAI • April 10, 2026

National Average

100.6

Near National Average

MBR-HAI • April 10, 2026

National Rank #11 of 51 states

vs. National Average +17.7 points

30-yr Rate Used 6.357%

Median Home Value $249,900

Median Household Income $76,657

View all state rankings →

North Dakota Affordability Ranking

#11 of 51 states — April 10, 2026 Top 20% most affordable

Most Affordable Least Affordable

More affordable than: 40 of 51 states (78%)

Less affordable than: 10 of 51 states (20%)

MBR-HAI Score: 118.3 vs. national 100.6 (+17.7 points)

Nearby States

↑ 8 more affordable states above

#9 KY 119.6

#10 OK 119.5

#11 North Dakota ◀ 118.3

#12 MO 117.6

#13 SD 116.1

↓ 38 less affordable states below

Top 5 Most Affordable

#1 WV 139.9

#2 AR 131.2

#3 AL 129.8

#4 IA 129.6

#5 MS 126.3

Bottom 5 Least Affordable

#47 RI 90.6

#48 NY 89.3

#49 OR 89.2

#50 MA 87.2

#51 CA 81.5

View full 51-state rankings →

North Dakota MBR-HAI — 90-Day Trend

North Dakota

National Average

Dashed line = national average. Amber dashed line = 100 baseline. Score updates each morning after the nightly rate aggregation run.

Key Affordability Factors — North Dakota

$249,900

Median Home Value

U.S. median: varies by state

$76,657

Median Household Income

U.S. median: $80,734

3.3x

Price-to-Income Ratio

Home value ÷ income

$1,036/mo

Median Owner Costs

16.2% of income annually

$2,170/yr

Median Property Tax

0.87% effective rate

63.8%

Homeownership Rate

U.S. average: 65.7%

20.8%

Owner Cost Burden

% spending 30%+ of income on housing

6.357%

30-yr Mortgage Rate

State average • April 10, 2026

Source: U.S. Census Bureau ACS 5-Year Estimates (2024), CPS/HVS Q4 2025. Mortgage rate from MBR live rate database.

How North Dakota Ranks Among All States

#11

of 51 states

Least Affordable Most Affordable

North Dakota is more affordable than 80% of U.S. states — More Affordable Than Avg

118.3

MBR-HAI Score

Rank	State	MBR-HAI Score	Affordability
▲ See top 7 states →
8	Kansas	123.0	Highly Affordable
9	Kentucky	119.6	More Affordable Than Avg
10	Oklahoma	119.5	More Affordable Than Avg
11	North Dakota You are here	118.3	More Affordable Than Avg
12	Missouri	117.6	More Affordable Than Avg
13	South Dakota	116.1	More Affordable Than Avg
14	South Carolina	114.8	More Affordable Than Avg
▼ See all 51 state rankings →

Showing states ranked near North Dakota — April 10, 2026 • View complete national rankings →

Download North Dakota HAI Data

North Dakota History (CSV)

Daily score vs. national • all dates

                    date,state,hai_score,national_score,rate_used

                    2026-04-11,ND,118.3,100.6,6.357                

Download ND History (CSV)

All 51 States (CSV)

Compare North Dakota to every state

Daily scores for all 51 states — filter by state or date in Excel or Google Sheets.

All States (CSV)

Explore Further

National MBR-HAI Rankings

See how North Dakota ranks among all 51 states and the national average.

HAI Methodology

How the 10-component formula is computed, data sources, and score interpretation.

North Dakota Mortgage Rates

Live 30-year and 15-year rates from banks and credit unions in North Dakota.