Towner County, ND housing market

What this means

• Prices. Home values are up 7.8% over the past year (U.S.: +1.2%), but still 16% below their 2022-23 peak.
• Supply. Listings are 30% below the 2017-19 norm: still a tight market.
• Negotiating. Buyer leverage is high (95/100; U.S.: 54): homes sell for about 25.0% below their final list price (as of Jul 2026); 25% of listings had a price cut (U.S.: 26%).
• Affordability. A mortgage on the typical home takes 15% of the median household income (U.S.: 35%); it takes about $34k a year to keep the payment at 30% of gross pay. That includes about $1,585 a year for home insurance (U.S.: $1,790).
• Disaster risk. FEMA expects about $98 a year in natural-disaster damage per $100k of building value (U.S.: $155).
• Outlook. No clear direction: likely −8% to +9% over the next 12 months (63% 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: −7.5% to +8.9% (80% range; middle estimate +2.0%), chance of a rise 63%, of a 5%+ drop 16%.

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 Towner County, ND