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Homeownership is to the American dream. It offers , security, community, and countless other benefits. Yet for many North Dakota residents, the dream feels increasingly out of reach—even as and fall. Near-record prices have made homes hard to come by and often even harder to afford, leaving buyers and sellers and younger generations .

But affordable pockets still exist. In cities across the state, residents can comfortably spend around 30% of their income or less on housing, which is widely considered the affordable threshold.

To find out where these cities are, ranked the most affordable cities in North Dakota, based on their local payment to income ratios. All data is an average for the January-October 2025 period. To see the most affordable cities in the country, read this .

#1. Minot, North Dakota
- Payment to income ratio: 27.2%
- Median sale price: $274,647
- Median household income: $77,431
- Income needed to buy: $70,135
- Median monthly mortgage payment: $1,753
- See homes for sale in Minot on

#2. Jamestown, North Dakota
- Payment to income ratio: 27.8%
- Median sale price: $198,873
- Median household income: $54,809
- Income needed to buy: $50,785
- Median monthly mortgage payment: $1,270
- See homes for sale in Jamestown on

#3. Lincoln, North Dakota
- Payment to income ratio: 31.1%
- Median sale price: $338,366
- Median household income: $83,387
- Income needed to buy: $86,406
- Median monthly mortgage payment: $2,160
- See homes for sale in Lincoln on

#4. Mandan, North Dakota
- Payment to income ratio: 31.4%
- Median sale price: $311,600
- Median household income: $75,966
- Income needed to buy: $79,571
- Median monthly mortgage payment: $1,989
- See homes for sale in Mandan on

#5. Dickinson, North Dakota
- Payment to income ratio: 32.3%
- Median sale price: $324,827
- Median household income: $76,964
- Income needed to buy: $82,949
- Median monthly mortgage payment: $2,074
- See homes for sale in Dickinson on

#6. Williston, North Dakota
- Payment to income ratio: 34.5%
- Median sale price: $379,268
- Median household income: $84,309
- Income needed to buy: $96,851
- Median monthly mortgage payment: $2,421
- See homes for sale in Williston on

#7. Bismarck, North Dakota
- Payment to income ratio: 36.4%
- Median sale price: $368,855
- Median household income: $77,608
- Income needed to buy: $94,192
- Median monthly mortgage payment: $2,355
- See homes for sale in Bismarck on