Housing affordability index in North Dakota
Housing affordability index in North Dakota: puts one number on the housing question: 19.7% of the state's median household income goes to principal and interest on a median-priced home at today's rate.
30-year fixed rate used: 6.76% (observed 2026-09-10, FRED MORTGAGE30US).
Share of income
19.7%
principal + interest
Monthly payment
$1,211
on a $233,194 home
Median income
$73,893
households, ACS 5-year
| Rank | County | Share of income | Monthly P&I |
|---|---|---|---|
| 1 | McKenzie County | 24.6% | $1,715 |
| 2 | Cass County | 23% | $1,404 |
| 3 | Burleigh County | 22.9% | $1,570 |
| 4 | Grand Forks County | 22.7% | $1,223 |
| 5 | Oliver County | 20.3% | $1,179 |
| 6 | Stark County | 20.2% | $1,326 |
| 7 | Stutsman County | 20.1% | $992 |
| 8 | Billings County | 20% | $1,234 |
| 9 | Ward County | 19.9% | $1,297 |
| 10 | Ramsey County | 19.6% | $1,004 |
| 11 | Morton County | 19.4% | $1,284 |
| 12 | Williams County | 18.5% | $1,324 |
| 13 | McLean County | 17.2% | $1,154 |
| 14 | Dunn County | 17.1% | $1,307 |
| 15 | Dickey County | 17% | $855 |
| 16 | Pierce County | 16.2% | $802 |
| 17 | Mountrail County | 15.6% | $1,065 |
| 18 | Kidder County | 15.3% | $729 |
| 19 | Richland County | 15.3% | $854 |
| 20 | Barnes County | 15.3% | $820 |
| 21 | Bottineau County | 14.7% | $979 |
| 22 | Sioux County | 14.7% | $505 |
| 23 | Mercer County | 14.6% | $997 |
| 24 | Eddy County | 13.4% | $563 |
| 25 | Renville County | 13.4% | $860 |
| 26 | Traill County | 13.3% | $897 |
| 27 | Bowman County | 13.2% | $874 |
| 28 | Towner County | 13% | $663 |
| 29 | Foster County | 12.7% | $833 |
| 30 | Ransom County | 12.7% | $758 |
| 31 | Cavalier County | 12.5% | $638 |
| 32 | Adams County | 11.8% | $569 |
| 33 | Griggs County | 11.2% | $621 |
| 34 | Sargent County | 11.1% | $701 |
| 35 | McHenry County | 10.9% | $710 |
| 36 | Pembina County | 10.9% | $585 |
| 37 | Wells County | 10.9% | $541 |
| 38 | Emmons County | 10.8% | $572 |
| 39 | Nelson County | 10.8% | $558 |
| 40 | Divide County | 10.6% | $846 |
| 41 | Golden Valley County | 10.5% | $740 |
| 42 | Hettinger County | 10.4% | $577 |
| 43 | LaMoure County | 10.4% | $607 |
| 44 | Rolette County | 10.4% | $469 |
| 45 | Walsh County | 10.2% | $580 |
| 46 | Logan County | 9.8% | $490 |
| 47 | Sheridan County | 9.8% | $564 |
| 48 | Grant County | 9.7% | $461 |
| 49 | Slope County | 9.7% | $571 |
| 50 | Burke County | 8.9% | $702 |
| 51 | Steele County | 8.7% | $623 |
| 52 | McIntosh County | 8.1% | $433 |
| 53 | Benson County | 7.8% | $412 |
Methodology
Every county figure for North Dakota uses the county's own median home value and median household income from the Census American Community Survey 5-year estimates, a 20% deposit, and the current 30-year fixed rate from FRED (MORTGAGE30US) amortised over 30 years.
The share shown is annualised principal and interest divided by median household income. Property tax, insurance and HOA dues are excluded so the comparison between counties stays like-for-like.
Counties without both a published home value and a published income are left out entirely rather than filled with an estimate, so the table is shorter than the county list in some states.
Sources: FRED series MORTGAGE30US, Freddie Mac Primary Mortgage Market Survey; U.S. Census Bureau, American Community Survey 5-year estimates. American Community Survey 5-year estimates, 2022.