Income needed to buy a home
Ward County, ND
$96,731
a year in household income to buy the typical Ward County home with 10% down.
The monthly math
Typical home value$283,144
Down payment (10%)$28,314
Loan$254,830
Principal and interest (7.40%)$1,764/mo
Property tax (1.04% a year)$245/mo
Homeowners insurance (estimate)$142/mo
Mortgage insurance$106/mo
Total monthly cost$2,257/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
A stretch
The typical household here earns $78,238 a year, 81% of what it takes.
In North Dakota
Ward County ranks #35 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.