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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

Zap, ND Housing Affordability Index

Zap, North Dakota has an MBR Housing Affordability Index score of 266.3 (Highly Affordable) as of October 30, 2026, ranking 30th most affordable of 274 scored North Dakota cities, compared with 114.2 statewide and 97.4 nationally. On a median-priced $91,300 home with 20% down, the North Dakota average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $500, or 6% of the city’s $95,000 median household income.

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

Zap MBR-HAI 266.3 Highly Affordable
Rank in North Dakota 30 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 $91,300 U.S. Census Bureau

Zap is 152.0 points above the North Dakota score. Scores as of October 30, 2026. See the North Dakota index

View Zap Mortgage Rates

What It Takes to Buy in Zap

$500/mo
Principal & Interest
Median home, 20% down, 7.28%
$21,400
Income Needed
To keep the payment at 28% of income
$95,000
Median Household Income
North Dakota: $76,657
1.0x
Price-to-Income Ratio
North Dakota: 3.3x
$712/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,694/yr
Median Property Tax
1.86% of median value
41.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
14.8%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Zap Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Zap, North Dakota score: 266.3 (Highly Affordable), ranked 30 of 274 North Dakota cities. monitorbankrates.com/housing-affordability-index/north-dakota/zap”