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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
North Dakota Housing Affordability Index | MonitorBankRates (MBR-HAI)

North Dakota Housing Affordability Index

North Dakota’s MBR Housing Affordability Index score is 114.2 (More Affordable Than Avg) as of October 30, 2026, ranking 12th most affordable of 51 states, compared with a national score of 97.4. On a median-priced $249,900 home in North Dakota with 20% down, the current 7.28% 30-year fixed rate means a monthly principal and interest payment of about $1,368, or 21% 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.

North Dakota MBR-HAI 114.2 More Affordable Than Avg
National 97.4 Near National Average
Rank 12 of 51 1 = most affordable
Avg 30-yr rate 7.28% North Dakota lenders
Median home value $249,900 U.S. Census Bureau
Median income $76,657 U.S. Census Bureau

North Dakota is 16.8 points above the national score. Scores as of October 30, 2026, unchanged from the prior day. View all state rankings

View North Dakota Mortgage Rates

See What You Can Afford in North Dakota

Use this North Dakota home affordability calculator to see how much house you can afford at today’s North Dakota average 30-year mortgage rate of 7.28%. A household earning the North Dakota median income of $76,657, with no other debts and $50,000 down, can afford a home of about $256,111, compared with a median home value of $249,900. Buying the median priced home with 20% down takes a household income of about $70,900 once property tax and insurance are counted.

North Dakota median (Census)
Car, student loan, card minimums
Under 20% adds PMI
North Dakota average, 30-year fixed
North Dakota median bill (Census)
Estimate; use your quote
You can afford a home up to
$256,111
At or above the North Dakota median home value of $249,900
Loan amount$206,111
Principal & interest$1,410/mo
Property tax$186/mo
Home insurance$107/mo
PMI$86/mo
Total monthly payment$1,789/mo
Compare North Dakota Mortgage Rates

How much house can you afford in North Dakota?

Most lenders use two limits. Your housing payment, including principal, interest, property tax, homeowners insurance and any PMI, should stay under about 28% of your gross monthly income, and all of your monthly debt payments together should stay under about 36%. The calculator takes whichever limit is lower, then works backward from that payment to the most expensive home it covers at the current rate.

In North Dakota, property taxes run about 0.87% of a home’s value each year, based on the Census median tax bill, which counts against the same monthly budget as the mortgage. Each quarter point move in mortgage rates changes the price you can afford by roughly $4,102 for a median income household. A larger down payment, paying down other debts, or a lower rate from a local lender all raise your budget.

Jump to: State Map North Dakota Rank Affordability Calculator North Dakota Cities 90-Day Trend Affordability Factors vs. Other States Download Data Press & Citations

Housing Affordability Across U.S. States

MBR-HAI score for every state as of October 30, 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.

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia West Virginia Wisconsin Wyoming District of Columbia District of Columbia
Highly Affordable (120+) More Affordable (110-119) Near Average (90-109) Moderately Less (70-89) Significantly Less (50-69) Least Affordable (under 50)

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.

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North Dakota Affordability Ranking

#12 of 51 states · October 30, 2026 More affordable than average
Most Affordable Least Affordable
More affordable than: 39 of 51 states (76%)
Less affordable than: 11 of 51 states (22%)
MBR-HAI Score: 114.2 vs. national 97.4 (+16.8 points)
Nearby States
↑ 9 more affordable states above
#10 OK 117.4
#11 MO 115.7
#12 North Dakota ◀ 114.2
#13 SC 112.4
#14 OH 112.1
↓ 37 less affordable states below
Top 5 Most Affordable
#1 WV 145.2
#2 AR 135.7
#3 AL 134.1
#4 MS 131.1
#5 IA 126.4
Bottom 5 Least Affordable
#47 OR 78.0
#48 DC 77.6
#49 MA 76.0
#50 HI 69.3
#51 CA 67.5

View full 51-state rankings →

North Dakota Cities Ranked by Housing Affordability

MBR-HAI scores for 274 North Dakota cities as of October 30, 2026, from most to least affordable. Each score uses the city’s Census income, home value and housing costs with the North Dakota average 30-year rate. Select a city for its full breakdown.

#1 Grace City 646.6 #2 Almont 644.7 #3 Berlin 451.4 #4 Ambrose 437.6 #5 Oriska 436.7 #6 Hamilton 424.7 #7 Noonan 417.5 #8 Woodworth 394.7 #9 Rogers 360.1 #10 Verona 348.7 #11 Goodrich 344.7 #12 Portal 307.5 #13 Finley 304.9 #14 Fullerton 304.2 #15 Zeeland 303.3 #16 Antler 300.1 #17 Columbus 299.5 #18 Marmarth 299.0 #19 Havana 293.0 #20 Cogswell 287.3 #21 Kulm 286.8 #22 Bucyrus 286.7 #23 Sherwood 278.6 #24 Fordville 277.2 #25 Jud 273.8 #26 Neche 272.6 #27 Fredonia 272.1 #28 Willow City 271.4 #29 Ludden 266.8 #30 Zap 266.3 #31 Fessenden 265.6 #32 Kramer 263.4 #33 Warwick 262.3 #34 Braddock 262.1 #35 Tappen 261.3 #36 Granville 260.6 #37 Gilby 258.8 #38 Forest River 257.3 #39 Maddock 256.3 #40 Emerado 255.7 #41 Nekoma 254.1 #42 Douglas 251.3 #43 Wildrose 251.0 #44 Starkweather 250.3 #45 Rocklake 250.2 #46 Newburg 248.9 #47 Dunn Center 246.5 #48 Fairdale 246.2 #49 Edinburg 246.1 #50 Lehr 245.9 #51 Rutland 244.8 #52 Lignite 244.6 #53 Tower City 243.6 #54 Wimbledon 243.1 #55 Anamoose 242.6 #56 Adams 242.4 #57 Leeds 241.9 #58 Edmore 241.7 #59 Regent 241.6 #60 Binford 241.6 #61 Galesburg 241.6 #62 Niagara 240.9 #63 Marion 240.4 #64 Fingal 238.8 #65 Hannaford 235.9 #66 Pisek 234.1 #67 Makoti 234.0 #68 Sheldon 233.8 #69 Sanborn 233.2 #70 Great Bend 231.5 #71 Crosby 229.2 #72 Kathryn 229.2 #73 Streeter 226.9 #74 Kensal 225.5 #75 Hoople 224.7 #76 Napoleon 224.6 #77 Ashley 221.2 #78 Pembina 220.9 #79 Minto 220.3 #80 Fort Yates 219.3 #81 Elliott 217.7 #82 Ryder 216.8 #83 Deering 216.8 #84 Reeder 216.5 #85 Solen 216.3 #86 Wishek 215.8 #87 Selfridge 215.6 #88 Michigan City 214.3 #89 Palermo 211.6 #90 Westhope 209.4 #91 Page 209.3 #92 Sheyenne 208.7 #93 Towner 205.7 #94 Rolette 205.6 #95 Drayton 205.5 #96 Flasher 203.9 #97 Forman 203.8 #98 Turtle Lake 203.7 #99 White Earth 203.7 #100 Wolford 202.3 #101 Drake 202.0 #102 Dwight 201.9 #103 Bowbells 201.9 #104 Hankinson 201.5 #105 Fairmount 200.5 #106 Petersburg 199.4 #107 Hunter 199.2 #108 Rhame 197.1 #109 New England 196.2 #110 Tolna 195.5 #111 Berthold 194.9 #112 Scranton 194.4 #113 Sykeston 194.0 #114 Hebron 193.9 #115 Medina 192.5 #116 Montpelier 192.1 #117 Mott 191.5 #118 Wing 191.0 #119 Munich 188.8 #120 Kenmare 187.7 #121 Grandin 186.9 #122 Aneta 186.6 #123 Gackle 184.0 #124 Lidgerwood 183.9 #125 Max 183.4 #126 Kindred 180.1 #127 Medora 179.2 #128 Ellendale 178.0 #129 Hettinger 177.2 #130 Pekin 176.7 #131 Halliday 176.1 #132 Stanton 174.9 #133 Argusville 174.6 #134 Mooreton 174.4 #135 Driscoll 173.8 #136 Alexander 172.4 #137 Plaza 170.9 #138 Cavalier 170.4 #139 Des Lacs 170.3 #140 Golden Valley 170.2 #141 Wyndmere 169.8 #142 Lakota 169.6 #143 Reynolds 168.8 #144 Taylor 166.5 #145 New Leipzig 165.7 #146 Alamo 165.2 #147 Buxton 165.1 #148 Menoken 164.4 #149 Park River 163.3 #150 Stanley 161.8 #151 Carpio 161.3 #152 Osnabrock 160.6 #153 Coleharbor 160.2 #154 Golva 160.1 #155 Cooperstown 160.0 #156 Langdon 159.9 #157 Strasburg 159.8 #158 Hope 159.5 #159 Carrington 159.4 #160 Mountain 158.8 #161 Tioga 158.8 #162 Glenburn 158.3 #163 Martin 158.2 #164 Portland 158.1 #165 Carson 158.0 #166 Steele 158.0 #167 Enderlin 158.0 #168 Leonard 157.9 #169 Milnor 157.9 #170 Wilton 157.6 #171 Hatton 157.5 #172 Beach 156.8 #173 Gladstone 156.5 #174 Underwood 156.1 #175 Linton 155.8 #176 Larimore 155.6 #177 Lansford 155.1 #178 Hazen 154.9 #179 Buchanan 154.1 #180 South Heart 153.6 #181 Hillsboro 153.3 #182 Mercer 153.3 #183 New Rockford 153.2 #184 Briarwood 152.5 #185 Glen Ullin 151.3 #186 Garrison 150.4 #187 Edgeley 150.3 #188 Bottineau 150.1 #189 Barney 149.5 #190 Denhoff 149.4 #191 Colfax 149.1 #192 Amenia 148.0 #193 Bowman 146.7 #194 Harwood 146.3 #195 Walcott 144.7 #196 Buffalo 144.5 #197 Mandaree 144.2 #198 Arthur 143.2 #199 Powers Lake 142.4 #200 Cannon Ball 141.6 #201 Egeland 140.9 #202 Hazelton 140.7 #203 Beulah 140.6 #204 Manvel 139.3 #205 Velva 139.3 #206 Knox 138.5 #207 Flaxton 138.3 #208 Pick City 137.6 #209 Walhalla 137.5 #210 Mapleton 137.4 #211 Oakes 136.1 #212 Grafton 135.9 #213 Benedict 135.8 #214 Ross 134.9 #215 Courtenay 134.2 #216 Trenton 133.4 #217 Killdeer 132.4 #218 Abercrombie 131.9 #219 Parshall 131.8 #220 Rugby 131.8 #221 Center 131.6 #222 Frontier 130.8 #223 Lincoln 130.7 #224 New Salem 130.2 #225 Reile's Acres 130.0 #226 Gwinner 129.8 #227 Thompson 128.1 #228 Mohall 127.8 #229 Sawyer 127.5 #230 Northwood 127.4 #231 Wahpeton 127.3 #232 Valley City 124.3 #233 New Town 123.3 #234 Elgin 123.2 #235 Riverdale 123.0 #236 North River 122.7 #237 Gardner 122.6 #238 Rolla 122.6 #239 Cando 122.2 #240 Fort Ransom 121.4 #241 Lisbon 119.1 #242 Richardton 118.2 #243 Davenport 117.9 #244 Casselton 116.2 #245 Washburn 115.9 #246 Horace 115.3 #247 Ray 115.1 #248 Minnewaukan 114.4 #249 Harvey 113.9 #250 Devils Lake 113.2 #251 Williston 113.0 #252 Arnegard 112.7 #253 Watford City 112.6 #254 Oxbow 112.6 #255 Surrey 111.6 #256 Balta 111.3 #257 Prairie Rose 110.2 #258 Burlington 109.8 #259 Dickinson 109.4 #260 Belfield 108.6 #261 Epping 103.8 #262 Jamestown 103.5 #263 Minot 103.3 #264 Christine 102.3 #265 Litchville 100.6 #266 Bismarck 99.1 #267 West Fargo 99.0 #268 Mandan 98.3 #269 Mayville 96.6 #270 Sibley 95.6 #271 Grand Forks 94.4 #272 Fargo 90.8 #273 Milton 81.9 #274 Esmond 62.6
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North Dakota MBR-HAI · 90-Day Trend

North Dakota
National Average

Dashed line = national average. Amber dashed line = 100 baseline. Score updates each morning after the nightly rate aggregation run.

Key Affordability Factors · North Dakota

$249,900
Median Home Value
U.S. median: varies by state
$76,657
Median Household Income
U.S. median: $80,734
3.3x
Price-to-Income Ratio
Home value ÷ income
$1,036/mo
Median Owner Costs
16.2% of income annually
$2,170/yr
Median Property Tax
0.87% effective rate
63.8%
Homeownership Rate
U.S. average: 65.7%
20.8%
Owner Cost Burden
% spending 30%+ of income on housing
7.281%
30-yr Mortgage Rate
State average • October 30, 2026

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

#12
of 51 states
Least Affordable Most Affordable
North Dakota is more affordable than 78% of U.S. states, More Affordable Than Avg
114.2
MBR-HAI Score
Rank State MBR-HAI Score Affordability
▲ See top 8 states →
9 Kansas 120.0 Highly Affordable
10 Oklahoma 117.4 More Affordable Than Avg
11 Missouri 115.7 More Affordable Than Avg
12 North Dakota You are here 114.2 More Affordable Than Avg
13 South Carolina 112.4 More Affordable Than Avg
14 Ohio 112.1 More Affordable Than Avg
15 New Mexico 112.1 More Affordable Than Avg
▼ See all 51 state rankings →

Showing states ranked near North Dakota · October 30, 2026 • View complete national rankings →

Download North Dakota HAI Data

North Dakota History (CSV)
Daily score vs. national • all dates
date,state,hai_score,national_score,rate_used
2026-10-30,ND,114.2,97.4,7.281
Download ND History (CSV)
All 51 States (CSV)
Compare North Dakota to every state

Daily scores for all 51 states, filter by state or date in Excel or Google Sheets.

All States (CSV)
Cite the North Dakota MBR-HAI
Editorial / press citation
“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. North Dakota score: 114.2 (More Affordable Than Avg), ranked #12 of 51 states. Methodology: monitorbankrates.com/housing-affordability-index-methodology”
APA 7th edition (academic)
Monitor Bank Rates LLC. (2026, October 30). MonitorBankRates (MBR) Housing Affordability Index: North Dakota [Data set]. https://www.monitorbankrates.com/housing-affordability-index/north-dakota/

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.

News Lead · AP-style, factual

In North Dakota, the MonitorBankRates (MBR) Housing Affordability Index stood at 114.2 on October 30, 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 7.281% with U.S. Census Bureau housing values, household income, property taxes, and cost burden data.

Analyst Quote · with voice, attributable

“North Dakota's MonitorBankRates (MBR) Housing Affordability Index score of 114.2 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 7.281%, and the index outperforms the national average.”

Brian McKay, MonitorBankRates

Social Media · concise, share-friendly

🏠 MonitorBankRates (MBR) Housing Affordability Index. North Dakota: 114.2 (More Affordable Than Avg), rank #12 of 51 states. 30-yr mortgage avg: 7.28%. National baseline = 100. Updated daily · via @MonitorBankRates → https://www.monitorbankrates.com/housing-affordability-index/north-dakota/

Casual / Blog · conversational

Housing affordability in North Dakota is currently sitting at 114.2 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 7.28% 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.

SubjectHousing affordability snapshot for North Dakota: what it means for your search
Hi [Client Name], Wanted to share a quick affordability snapshot for North Dakota from the MonitorBankRates (MBR) Housing Affordability Index, a daily-updated composite that tracks how affordable U.S. homeownership is right now. North Dakota's current reading: 114.2 (More Affordable Than Avg), rank #12 of 51 states National reading: 97.430-year mortgage rate average in North Dakota: 7.281% The index baseline of 100 represents long-run typical conditions at a 6.5% reference rate. North Dakota currently outperforms the national average. For full state context (including the 90-day trend, key affordability factors, and how North Dakota compares to neighboring states) see: https://www.monitorbankrates.com/housing-affordability-index/north-dakota/ Always happy to discuss what this means for your specific situation. Best, [Your Name]

For Press & Researchers

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