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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

West Fargo, ND Housing Affordability Index

West Fargo, North Dakota has an MBR Housing Affordability Index score of 99.0 (Near National Average) as of October 30, 2026, ranking 267th most affordable of 274 scored North Dakota cities, compared with 114.2 statewide and 97.4 nationally. On a median-priced $321,900 home with 20% down, the North Dakota average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $1,762, or 23% of the city’s $90,665 median household income.

The MBR Housing Affordability Index (MBR-HAI) for West Fargo 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.

West Fargo MBR-HAI 99.0 Near National Average
Rank in North Dakota 267 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 $321,900 U.S. Census Bureau

West Fargo is 15.3 points below the North Dakota score. Scores as of October 30, 2026. See the North Dakota index

View West Fargo Mortgage Rates

What It Takes to Buy in West Fargo

$1,762/mo
Principal & Interest
Median home, 20% down, 7.28%
$75,500
Income Needed
To keep the payment at 28% of income
$90,665
Median Household Income
North Dakota: $76,657
3.6x
Price-to-Income Ratio
North Dakota: 3.3x
$1,699/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$4,003/yr
Median Property Tax
1.24% of median value
20.7%
Owner Cost Burden
Owners spending 30%+ of income on housing
38.8%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How West Fargo Ranks in North Dakota

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Cite the West Fargo Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. West Fargo, North Dakota score: 99.0 (Near National Average), ranked 267 of 274 North Dakota cities. monitorbankrates.com/housing-affordability-index/north-dakota/west-fargo”