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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Belfield, ND Housing Affordability Index

Belfield, North Dakota has an MBR Housing Affordability Index score of 108.6 (Near National Average) as of October 30, 2026, ranking 260th most affordable of 274 scored North Dakota cities, compared with 114.2 statewide and 97.4 nationally. On a median-priced $192,000 home with 20% down, the North Dakota average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $1,051, or 27% of the city’s $45,938 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Belfield is updated every night from live North Dakota mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Belfield MBR-HAI 108.6 Near National Average
Rank in North Dakota 260 of 274 1 = most affordable
North Dakota 114.2 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.28% North Dakota lenders
Median home value $192,000 U.S. Census Bureau

Belfield is 5.6 points below the North Dakota score. Scores as of October 30, 2026. See the North Dakota index

View Belfield Mortgage Rates

What It Takes to Buy in Belfield

$1,051/mo
Principal & Interest
Median home, 20% down, 7.28%
$45,000
Income Needed
To keep the payment at 28% of income
$45,938
Median Household Income
North Dakota: $76,657
4.2x
Price-to-Income Ratio
North Dakota: 3.3x
$531/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,664/yr
Median Property Tax
0.87% of median value
20.8%
Owner Cost Burden
Owners spending 30%+ of income on housing
33.8%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Belfield, North Dakota. The rate is the North Dakota average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Belfield Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Belfield, North Dakota score: 108.6 (Near National Average), ranked 260 of 274 North Dakota cities. monitorbankrates.com/housing-affordability-index/north-dakota/belfield”