Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$230,097+7.1% YoY · prices are rising fast
Market right nowBalanced, leaning buyersMore homes for sale than last year, 28% have cut their price
Income needed to buy, per year$49,880About 0.7× the local median income ($74,421): affordable for a typical household
Days on market81 daysSlower than a year ago: buyers have time to negotiate
The typical home in Ramsey County, ND is worth $230,097, up 7.1% from a year ago. That is slightly below what local incomes have historically supported: fair value is about $235,896, so the area is 2.5% undervalued. It is a balanced market, leaning toward buyers: homes take about 81 days to sell, listings are up 5% from a year ago, 28% of listings have had a price cut. A household needs about $49,880 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 $74,421. In the latest IRS figures, 59 more people moved in than out.
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
$230,097
Change in 1 year
+7.1%
Overvalued %
−2.5%
Show 6 more
Fair home value
$235,896
Change in 5 years
+14.0%
Home value to income
3.1×
Monthly mortgage payment (20% down)
$1,247
Income needed to afford it
$49,880
Property tax rate
0.99%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,014
Market activity
Listings vs a year ago
+5.3%
Days on market
81
Listings with a price cut
27.9%
Show 3 more
Homes for sale
40
Pending sales per 100 listings
18
Asking price per sq ft
$145
People and jobs
Median household income
$74,421
Population change (1 year)
+0.0%
Unemployment rate
1.2%
Show 4 more
Population
11,530
Income adjusted for cost of living
$85,247
Net moves in (IRS)
+59
Cost of living (US = 100)
87.3
Schools, risk and environment
School rating (1 to 10)
4.3
FEMA hazard risk score (0 to 100)
18.3
Flood risk score
10.0
Show 3 more
Wildfire risk score
79.9
Walkability (1 to 20)
7.6
Road, rail and air noise
51 dB
Questions people ask
Is Ramsey County, ND overvalued?
Home prices in Ramsey County, ND are slightly below what local incomes have historically supported: fair value is about $235,896, so the area is 2.5% undervalued.
Is Ramsey County, ND a buyer's or seller's market?
Ramsey County, ND is a balanced market, leaning toward buyers: homes take about 81 days to sell, listings are up 5% from a year ago, 28% of listings have had a price cut.
Are home prices going down in Ramsey County, ND?
Home values in Ramsey County, ND are up 7.1% over the last year.
How much do you need to earn to buy a home in Ramsey County, ND?
A household needs about $49,880 a year to afford the typical home in Ramsey County, ND at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $74,421.