Income needed to buy a home
Adams County, ND
$46,407
a year in household income to buy the typical Adams County home with 10% down.
The monthly math
Typical home value$141,737
Down payment (10%)$14,174
Loan$127,563
Principal and interest (7.40%)$883/mo
Property tax (0.64% a year)$76/mo
Homeowners insurance (estimate)$71/mo
Mortgage insurance$53/mo
Total monthly cost$1,083/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
Within reach
The typical household here earns $62,500 a year, 35% more than it takes.
In North Dakota
Adams County ranks #8 of 43 for the income a home takes, from least to most.
Easiest to afford in North Dakota
| County | Typical home | Income needed |
|---|---|---|
| Griggs County | $122,731 | $39,316 |
| Eddy County | $120,227 | $39,480 |
| Sheridan County | $122,543 | $39,838 |
| Towner County | $122,053 | $40,276 |
| Burke County | $139,675 | $44,739 |
Typical home value from the Zillow Home Value Index, August 2026. Rate is the Freddie Mac 30-year average for Oct 8, 2026. Property tax rate is total taxes paid divided by total home value in the county (U.S. Census, ACS 2020-2024). How it works.