The typical owner-occupied home in Spiritwood is worth about $235,700, 6% below the North Dakota median of $249,900 and 29% below the national median of $332,700. Owners pay a median $2,294 a year in property taxes, about 0.97% of their home's value, close to the North Dakota rate of 0.99%. 100% of occupied homes here are lived in by their owners, and 0% of those owners still have a mortgage.
Spiritwood at a glance
| Spiritwood | North Dakota | U.S. | |
|---|---|---|---|
| Median home value | $235,700 | $249,900 | $332,700 |
| Median property tax paid per year | $2,294 | $2,468 | $3,119 |
| Property tax as a share of value | 0.97% | 0.99% | 0.94% |
| Median household income | – | $76,657 | $80,734 |
| Homes lived in by their owners | 100% | 63% | 65% |
| Owner homes with a mortgage | 0% | 52% | 61% |
| Median monthly costs, owners with a mortgage | – | $1,762 | $1,963 |
| Median rent | – | $954 | $1,413 |
| Median year homes were built | 1955 | 1982 | 1980 |
| Vacant homes | 0.0% | 12.3% | 10.1% |
| Population | 46 | 784,841 | 334,922,499 |
What a typical home costs per month in Spiritwood
At this week's average 30-year rate of 7.11%, buying the median Spiritwood home of $235,700 with 20% down costs about $1,557 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,950, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $66,737 for the 20%-down payment.
| Down payment | $47,140 |
|---|---|
| Loan amount | $188,560 |
| Principal and interest | $1,268 |
| Property taxes (0.97% a year) | $191 |
| Homeowners insurance (our estimate, 0.5% a year) | $98 |
| PMI | $0 |
| Total per month | $1,557 |
Change the numbers in the calculator
| Down payment | $8,250 |
|---|---|
| Loan amount | $231,431 |
| Principal and interest | $1,557 |
| Property taxes (0.97% a year) | $191 |
| Homeowners insurance (our estimate, 0.5% a year) | $98 |
| FHA mortgage insurance | $104 |
| Total per month | $1,950 |
Change the numbers in the calculator
Questions about home buying in Spiritwood
What is the median home value in Spiritwood?
About $235,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Spiritwood?
Homeowners pay a median $2,294 a year, which is about 0.97% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Spiritwood?
For the median home with 20% down at 7.11%, the payment is about $1,557 a month. Keeping that under 28% of gross income takes about $66,737 a year.
More about Spiritwood
- Mortgage Refinance in Spiritwood
- Debt Relief in Spiritwood
- Home Equity Loans in Spiritwood
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data