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.
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 | 122.3 | Highly Affordable |
| 10 | Oklahoma | 120.8 | Highly Affordable |
| 11 | Missouri | 119.3 | More Affordable Than Avg |
| 12 | North Dakota You are here | 117.3 | More Affordable Than Avg |
| 13 | Ohio | 115.2 | More Affordable Than Avg |
| 14 | South Carolina | 114.9 | More Affordable Than Avg |
| 15 | New Mexico | 114.6 | More Affordable Than Avg |
| ▼ See all 51 state rankings → | |||
Showing states ranked near North Dakota · May 26, 2026 • View complete national rankings →
Download North Dakota HAI Data
2026-05-26,ND,117.3,100.0,6.503
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 117.3 on May 26, 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 6.503% 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 117.3 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 6.503%, and the index outperforms the national average.”
Brian McKay, MonitorBankRates
🏠 MonitorBankRates (MBR) Housing Affordability Index. North Dakota: 117.3 (More Affordable Than Avg), rank #12 of 51 states. 30-yr mortgage avg: 6.50%. 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 117.3 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 6.50% 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.
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