Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$157,472+8.6% YoY · prices are rising fast
Market right nowSeller's marketFewer homes for sale than last year, 14% have cut their price
Income needed to buy, per year$34,137About 0.4× the local median income ($77,534): affordable for a typical household
Days on market91 daysSlower than a year ago: buyers have time to negotiate
The typical home in Pembina County, ND is worth $157,472, up 8.6% from a year ago. That is well below what local incomes have historically supported: fair value is about $179,487, so the area is 12.3% undervalued. It is a seller's market: homes take about 91 days to sell, listings are down 27% from a year ago, 14% of listings have had a price cut. A household needs about $34,137 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $77,534. In the latest IRS figures, 8 more people moved out than in.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$157,472
Change in 1 year
+8.6%
Overvalued %
−12.3%
Show 6 more
Fair home value
$179,487
Change in 5 years
+8.5%
Home value to income
2.0×
Monthly mortgage payment (20% down)
$853
Income needed to afford it
$34,137
Property tax rate
1.01%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,014
Market activity
Listings vs a year ago
−27.3%
Days on market
91
Listings with a price cut
14.3%
Show 3 more
Homes for sale
16
Pending sales per 100 listings
50
Asking price per sq ft
$74
People and jobs
Median household income
$77,534
Population change (1 year)
−0.2%
Unemployment rate
3.4%
Show 4 more
Population
6,568
Income adjusted for cost of living
$88,813
Net moves in (IRS)
−8
Cost of living (US = 100)
87.3
Schools, risk and environment
School rating (1 to 10)
7.2
FEMA hazard risk score (0 to 100)
20.9
Flood risk score
28.7
Show 3 more
Wildfire risk score
63.9
Walkability (1 to 20)
6.2
Road, rail and air noise
53 dB
Questions people ask
Is Pembina County, ND overvalued?
Home prices in Pembina County, ND are well below what local incomes have historically supported: fair value is about $179,487, so the area is 12.3% undervalued.
Is Pembina County, ND a buyer's or seller's market?
Pembina County, ND is a seller's market: homes take about 91 days to sell, listings are down 27% from a year ago, 14% of listings have had a price cut.
Are home prices going down in Pembina County, ND?
Home values in Pembina County, ND are up 8.6% over the last year.
How much do you need to earn to buy a home in Pembina County, ND?
A household needs about $34,137 a year to afford the typical home in Pembina County, ND at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $77,534.