North Dakota Homes for Sale Under 400K

1,293 Homes for Sale

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No HOANo HOA
Photo 23 of Single family home for sale at 6739 Selkirk Dr S, Fargo, ND 58104 | MLS# 7127204 | Listing updated on 2026-09-09Photo 1 of Single family home for sale at 6739 Selkirk Dr S, Fargo, ND 58104 | MLS# 7127204 | Listing updated on 2026-09-09Photo 2 of Single family home for sale at 6739 Selkirk Dr S, Fargo, ND 58104 | MLS# 7127204 | Listing updated on 2026-09-09

$397,420

count-img 1

4Bds

3Ba

1,991sqft

Single family home for sale

6739 Selkirk Dr S, Fargo, ND 58104

MLS ID #7127204, Better Homes And Gardens Real Estate Advantage One

3D Tour3D Tour
Photo 37 of Single family home for sale at 2914 S Bay Dr, Fargo, ND 58103 | MLS# 7090352 | Listing updated on 2026-09-08Photo 1 of Single family home for sale at 2914 S Bay Dr, Fargo, ND 58103 | MLS# 7090352 | Listing updated on 2026-09-08Photo 2 of Single family home for sale at 2914 S Bay Dr, Fargo, ND 58103 | MLS# 7090352 | Listing updated on 2026-09-08

$390,000

count-img 1

5Bds

3Ba

2,650sqft

Single family home for sale

2914 S Bay Dr, Fargo, ND 58103

MLS ID #7090352, Berkshire Hathaway Homeservices Premier Properties

No HOANo HOA
Photo 44 of Single family home for sale at 7075 Benji Ln, Horace, ND 58047 | MLS# 7128921 | Listing updated on 2026-08-18Photo 1 of Single family home for sale at 7075 Benji Ln, Horace, ND 58047 | MLS# 7128921 | Listing updated on 2026-08-18Photo 2 of Single family home for sale at 7075 Benji Ln, Horace, ND 58047 | MLS# 7128921 | Listing updated on 2026-08-18

$390,000

count-img 2

3Bds

3Ba

1,646sqft

Single family home for sale

7075 Benji Ln, Horace, ND 58047

MLS ID #7128921, Berkshire Hathaway Homeservices Premier Properties

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North Dakota Housing Market Overview

North Dakota is a balanced market, giving buyers and sellers room to negotiate. With 5 months of supply and homes averaging 59 days on the market, you can make decisions without the pressure of a highly competitive market.

Status

Balanced Market

Days on Market

59

Inventory

1,293

Aug 2021May 2024Aug 2026

Median Home Price

$329,950Up 7.48%

In Aug 2026 · YoY

Aug 2021May 2024Aug 2026

Mortgage Rates 30-Yr Fixed

6.23%Down 0.58%

Current rate · YoY

Loan Type

30-Year Fixed

Housing Supply

Homes For Sale
1,293 Up 14.69%
Newly Listed Homes
221 Down 20.22%
Months of Supply
5 Up 61.72%

Housing Demand

Homes Sold
293 Down 34.45%
Sale-to-List Ratio
100.4% Up 1.88%
Homes Sold Above List
32.4% Up 19.32%

30-yr fixed rate 6.23% · Data as of Aug 2026 · Source: Houzeo Research.

View Full North Dakota Market Report
No. of Homes
Prices
Homes for Sale in West Fargo
184
$363,500

Frequently Asked Questions

How much does a median home in North Dakota cost?

The median home price in North Dakota is $329949.5, but the purchase price is only part of the cost. Buyers should also budget for down payment, closing costs, property taxes, homeowners insurance, and ongoing maintenance.

Do I need flood insurance for a home in North Dakota?

Yes, you must buy separate flood insurance through the National Flood Insurance Program. Standard homeowners insurance policies exclude flood damage entirely. Spring flooding frequently affects towns along the Red River Valley, like Fargo and Grand Forks.

What drives homeowners insurance costs in North Dakota?

Severe spring and summer hailstorms make North Dakota a high-risk state for property insurance. Homeowners pay an average of $2,256 annually for standard coverage. The quotes can differ by over $1,000 depending on insurers and credit scores.

Will I owe a transfer tax, and who handles the title work in North Dakota?

No, North Dakota doesn’t charge a real estate transfer tax at closing. State law requires a licensed attorney to examine and certify titles before insurers issue title insurance. Title companies cannot perform this review alone.

Why do property tax bills vary so much across North Dakota counties?

Local governments in North Dakota set mill levies individually rather than enforcing statewide rates. The median property tax bill is $2,769 annually. County rates vary from under 0.5% to over 1.5%. Counties that produce oil often enjoy lower property taxes due to extraction tax revenues. You should always verify local county mill levies before comparing listed properties.

Are there any new North Dakota disclosure rules I should know?

Yes, two new disclosure rules recently took effect. First, sellers must disclose prior radon test results. Secondly, they must provide specific association disclosures for condominiums or properties with homeowners associations before closing.

  • mls-img
    Based on information submitted to the MLS GRID from the REGIONAL MULTIPLE LISTING SERVICE OF MINNESOTA, INC through Sep 14, 2026, 6:46 AM. IDX information is provided exclusively for consumers’ personal, non-commercial use. It may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data is deemed reliable but is not guaranteed by MLS GRID. The use of the MLS GRID Data may be subject to an end-user license agreement prescribed by the Member Participant’s applicable MLS, if any and as amended from time to time. All data is obtained from various sources and may not have been verified by the broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
    Information deemed reliable but not guaranteed. The property data presented reflects information otherwise available from public records. The real estate broker participating in MLS and providing this information may not have represented the buyer or seller in some or all of the transactions. Listings courtesy of Northstar MLS as distributed by MLS GRID. © 2026 Regional Multiple Listing Service of Minnesota, Inc. All Rights Reserved.

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North Dakota Housing Marketlink qauare
Homes Available icon

1,293

Homes Available

Median List Price icon

$ 329,950

Median List Price

Avg on Market icon

59 Days

Avg on Market

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