The typical owner-occupied home in Benson County is worth about $90,000, 64% below the North Dakota median of $249,900 and 73% below the national median of $332,700. Owners pay a median $817 a year in property taxes, about 0.91% of their home's value, lower than the North Dakota rate of 0.99%. The median household earns $64,033 a year, so the median home costs 1.4 times the median income (3.3 times for North Dakota). 73% of occupied homes here are lived in by their owners, and 25% of those owners still have a mortgage.
Benson County at a glance
| Benson County | North Dakota | U.S. | |
|---|---|---|---|
| Median home value | $90,000 | $249,900 | $332,700 |
| Median property tax paid per year | $817 | $2,468 | $3,119 |
| Property tax as a share of value | 0.91% | 0.99% | 0.94% |
| Median household income | $64,033 | $76,657 | $80,734 |
| Homes lived in by their owners | 73% | 63% | 65% |
| Owner homes with a mortgage | 25% | 52% | 61% |
| Median monthly costs, owners with a mortgage | $1,611 | $1,762 | $1,963 |
| Those costs as a share of the owners' income | 16.5% | 19.4% | 21.0% |
| Median rent | $588 | $954 | $1,413 |
| Rent as a share of renters' income | 22.2% | 25.0% | 30.6% |
| Median year homes were built | 1972 | 1982 | 1980 |
| Vacant homes | 20.1% | 12.3% | 10.1% |
| Population | 5,808 | 784,841 | 334,922,499 |
What a typical home costs per month in Benson County
At this week's average 30-year rate of 7.11%, buying the median Benson County home of $90,000 with 20% down costs about $590 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $740, 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 $25,290 for the 20%-down payment. That payment is 11% of the median Benson County household income of $64,033; at that income and 20% down, the 28% guideline points to a home of about $228,000.
The median rent here is $588 a month, so owning the median home costs about $2 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $18,000 |
|---|---|
| Loan amount | $72,000 |
| Principal and interest | $484 |
| Property taxes (0.91% a year) | $68 |
| Homeowners insurance (our estimate, 0.5% a year) | $38 |
| PMI | $0 |
| Total per month | $590 |
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| Down payment | $3,150 |
|---|---|
| Loan amount | $88,370 |
| Principal and interest | $594 |
| Property taxes (0.91% a year) | $68 |
| Homeowners insurance (our estimate, 0.5% a year) | $38 |
| FHA mortgage insurance | $40 |
| Total per month | $740 |
Change the numbers in the calculator
Questions about home buying in Benson County
What is the median home value in Benson County?
About $90,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Benson County?
Homeowners pay a median $817 a year, which is about 0.91% 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 Benson County?
For the median home with 20% down at 7.11%, the payment is about $590 a month. Keeping that under 28% of gross income takes about $25,290 a year.
More about Benson County
- Mortgage Refinance in Benson County
- Debt Relief in Benson County
- Home Equity Loans in Benson County
- 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