North Dakota Housing Affordability Index
North Dakota’s MBR Housing Affordability Index score is 114.0 (More Affordable Than Avg) as of October 14, 2026, ranking 12th most affordable of 51 states, compared with a national score of 97.1. On a median-priced $249,900 home in North Dakota with 20% down, the current 7.36% 30-year fixed rate means a monthly principal and interest payment of about $1,379, or 22% of the state’s $76,657 median household income.
Daily MBR Housing Affordability Index (MBR-HAI) 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. A score of 100 equals the national average; higher scores mean homeownership is more affordable.
Housing Affordability Across U.S. States
MBR-HAI score for every state as of October 14, 2026, with North Dakota outlined. Green states are more affordable than the national baseline of 100; red states are less affordable. Hover for the rank; click through to any state.
National baseline = 100 (computed at the 6.5% reference rate). Scores update every morning. Hover any state for its rank; click to open that state's page.
Free to reuse with the citation shown on the image.
North Dakota Affordability Ranking
North Dakota MBR-HAI · 90-Day Trend
Dashed line = national average. Amber dashed line = 100 baseline. Score updates each morning after the nightly rate aggregation run.
Key Affordability Factors · North Dakota
Source: U.S. Census Bureau American Community Survey and Current Population Survey. Mortgage rate from MBR live rate database.
How North Dakota Ranks Among All States
| Rank | State | MBR-HAI Score | Affordability |
|---|---|---|---|
| ▲ See top 8 states → | |||
| 9 | Kansas | 119.3 | More Affordable Than Avg |
| 10 | Oklahoma | 116.9 | More Affordable Than Avg |
| 11 | Missouri | 115.1 | More Affordable Than Avg |
| 12 | North Dakota You are here | 114.0 | More Affordable Than Avg |
| 13 | South Carolina | 111.9 | More Affordable Than Avg |
| 14 | Ohio | 111.7 | More Affordable Than Avg |
| 15 | New Mexico | 111.7 | More Affordable Than Avg |
| ▼ See all 51 state rankings → | |||
Showing states ranked near North Dakota · October 14, 2026 • View complete national rankings →
Download North Dakota HAI Data
2026-10-13,ND,114.0,97.1,7.360
Daily scores for all 51 states, filter by state or date in Excel or Google Sheets.
All States (CSV)Press & Citation Resources · North Dakota
Ready-to-publish sentences using today's North Dakota data, an email template you can send to clients, and direct contact for press inquiries or custom data requests.
Ready-to-Publish Sentences
Each sentence updates daily with the live North Dakota score. Free for editorial use with attribution to MonitorBankRates.
In North Dakota, the MonitorBankRates (MBR) Housing Affordability Index stood at 114.0 on October 14, 2026, ranking #12 of 51 U.S. states for homeownership affordability and indicating more affordable than avg conditions relative to the national baseline. The state-level reading combines North Dakota's 30-year mortgage rate average of 7.360% with U.S. Census Bureau housing values, household income, property taxes, and cost burden data.
“North Dakota's MonitorBankRates (MBR) Housing Affordability Index score of 114.0 places it #12 of 51 nationwide. Above the 100 baseline, that means buyer purchasing power in North Dakota is stronger than the long-run national average computed at a 6.5% mortgage rate. The state's 30-year average is currently 7.360%, and the index outperforms the national average.”
Brian McKay, MonitorBankRates
🏠 MonitorBankRates (MBR) Housing Affordability Index. North Dakota: 114.0 (More Affordable Than Avg), rank #12 of 51 states. 30-yr mortgage avg: 7.36%. National baseline = 100. Updated daily · via @MonitorBankRates → https://www.monitorbankrates.com/housing-affordability-index/north-dakota/
Housing affordability in North Dakota is currently sitting at 114.0 on the MonitorBankRates (MBR) Housing Affordability Index, ranking it #12 of 51 U.S. states. With 100 representing the long-term national baseline at a 6.5% reference rate, North Dakota's 30-year mortgage rate of 7.36% reflects more affordable than avg conditions for local buyers. The state outperforms the national average as a whole.
Mortgage Broker Email Template
Pre-written client update for North Dakota homebuyers. Personalize the bracketed fields and send.
For Press & Researchers
The North Dakota MBR-HAI is free to cite for editorial, academic, and policy use with attribution. We're happy to provide additional support:
- Custom data cuts: North Dakota metros, MSAs, or historical slices on request
- Embargo-friendly releases: give us 24 hours notice for scheduled coverage
- Background interviews: methodology, market context, or commentary on rate moves
- Direct contact: contact form or reply to any address listed there
For our published citation history and recent media mentions, see MBR in the Press.
Explore Further
