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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

Berlin, ND Housing Affordability Index

Berlin, North Dakota has an MBR Housing Affordability Index score of 451.4 (Highly Affordable) as of October 30, 2026, ranking 3rd most affordable of 274 scored North Dakota cities, compared with 114.2 statewide and 97.4 nationally. On a median-priced $47,100 home with 20% down, the North Dakota average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $258, or 3% of the city’s $98,750 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Berlin 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.

Berlin MBR-HAI 451.4 Highly Affordable
Rank in North Dakota 3 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 $47,100 U.S. Census Bureau

Berlin is 337.1 points above the North Dakota score. Scores as of October 30, 2026. See the North Dakota index

View Berlin Mortgage Rates

What It Takes to Buy in Berlin

$258/mo
Principal & Interest
Median home, 20% down, 7.28%
$11,100
Income Needed
To keep the payment at 28% of income
$98,750
Median Household Income
North Dakota: $76,657
0.5x
Price-to-Income Ratio
North Dakota: 3.3x
$600/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,170/yr
Median Property Tax
North Dakota figure
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 Berlin, North Dakota. The rate is the North Dakota average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

How Berlin Ranks in North Dakota

Most affordable in North Dakota
#1Grace City646.6 #2Almont644.7
#3Berlin451.4
#4Ambrose437.6 #5Oriska436.7
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Cite the Berlin Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Berlin, North Dakota score: 451.4 (Highly Affordable), ranked 3 of 274 North Dakota cities. monitorbankrates.com/housing-affordability-index/north-dakota/berlin”