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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

Ludden, ND Housing Affordability Index

Ludden, North Dakota has an MBR Housing Affordability Index score of 266.8 (Highly Affordable) as of October 30, 2026, ranking 29th most affordable of 274 scored North Dakota cities, compared with 114.2 statewide and 97.4 nationally. On a median-priced $110,900 home with 20% down, the North Dakota average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $607, or 6% of the city’s $116,750 median household income.

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

Ludden MBR-HAI 266.8 Highly Affordable
Rank in North Dakota 29 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 $110,900 U.S. Census Bureau

Ludden is 152.5 points above the North Dakota score. Scores as of October 30, 2026. See the North Dakota index

View Ludden Mortgage Rates

What It Takes to Buy in Ludden

$607/mo
Principal & Interest
Median home, 20% down, 7.28%
$26,000
Income Needed
To keep the payment at 28% of income
$116,750
Median Household Income
North Dakota: $76,657
0.9x
Price-to-Income Ratio
North Dakota: 3.3x
$688/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 Ludden, North Dakota. The rate is the North Dakota average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

How Ludden Ranks in North Dakota

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Cite the Ludden Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Ludden, North Dakota score: 266.8 (Highly Affordable), ranked 29 of 274 North Dakota cities. monitorbankrates.com/housing-affordability-index/north-dakota/ludden”