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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

White Earth, ND Housing Affordability Index

White Earth, North Dakota has an MBR Housing Affordability Index score of 203.7 (Highly Affordable) as of October 30, 2026, ranking 99th most affordable of 274 scored North Dakota cities, compared with 114.2 statewide and 97.4 nationally. On a median-priced $109,700 home with 20% down, the North Dakota average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $601, or 10% of the city’s $69,063 median household income.

The MBR Housing Affordability Index (MBR-HAI) for White Earth 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.

White Earth MBR-HAI 203.7 Highly Affordable
Rank in North Dakota 99 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 $109,700 U.S. Census Bureau

White Earth is 89.4 points above the North Dakota score. Scores as of October 30, 2026. See the North Dakota index

View White Earth Mortgage Rates

What It Takes to Buy in White Earth

$601/mo
Principal & Interest
Median home, 20% down, 7.28%
$25,700
Income Needed
To keep the payment at 28% of income
$69,063
Median Household Income
North Dakota: $76,657
1.6x
Price-to-Income Ratio
North Dakota: 3.3x
$275/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
100.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How White Earth Ranks in North Dakota

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Cite the White Earth Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. White Earth, North Dakota score: 203.7 (Highly Affordable), ranked 99 of 274 North Dakota cities. monitorbankrates.com/housing-affordability-index/north-dakota/white-earth”