Golden Valley County, ND housing market

What this means

• Prices. Home values are up 4.3% over the past year (U.S.: +1.2%), but still 5% below their 2022-23 peak.
• Supply. Listings are 2% below the 2017-19 norm and rising (+167% vs. a year ago), close to pre-pandemic levels.
• Negotiating. Buyer leverage is high (98/100; U.S.: 54): homes typically sell at or above asking (100.0% of list) (as of Jul 2026); 19% of listings had a price cut (U.S.: 26%).
• Affordability. A mortgage on the typical home takes 23% of the median household income (U.S.: 35%); it takes about $52k a year to keep the payment at 30% of gross pay. That includes about $1,780 a year for home insurance (U.S.: $1,790).
• Disaster risk. FEMA expects about $89 a year in natural-disaster damage per $100k of building value (U.S.: $155), mostly from flooding.
• Outlook. No clear direction: likely −8% to +8% over the next 12 months (59% chance of a rise).

Next 12 months

No clear direction

A rise is somewhat more likely than a fall, but not by enough to call. Likely change: −8.3% to +8.1% (80% range; middle estimate +1.2%), chance of a rise 59%, of a 5%+ drop 18%.

HouseVane's model, refit every month on local market signals and national ones, trained only on data known at the time. How accurate it has been.

ZIP codes in Golden Valley County, ND