The typical owner-occupied home in Harwood is worth about $321,100, 28% above the North Dakota median of $249,900 and 3% below the national median of $332,700. Owners pay a median $3,613 a year in property taxes, about 1.13% of their home's value, higher than the North Dakota rate of 0.99%. The median household earns $145,139 a year, so the median home costs 2.2 times the median income (3.3 times for North Dakota). 100% of occupied homes here are lived in by their owners, and 66% of those owners still have a mortgage.
Harwood at a glance
| Harwood | North Dakota | U.S. | |
|---|---|---|---|
| Median home value | $321,100 | $249,900 | $332,700 |
| Median property tax paid per year | $3,613 | $2,468 | $3,119 |
| Property tax as a share of value | 1.13% | 0.99% | 0.94% |
| Median household income | $145,139 | $76,657 | $80,734 |
| Homes lived in by their owners | 100% | 63% | 65% |
| Owner homes with a mortgage | 66% | 52% | 61% |
| Median monthly costs, owners with a mortgage | $1,977 | $1,762 | $1,963 |
| Those costs as a share of the owners' income | 17.0% | 19.4% | 21.0% |
| Median rent | – | $954 | $1,413 |
| Median year homes were built | 1988 | 1982 | 1980 |
| Vacant homes | 2.4% | 12.3% | 10.1% |
| Population | 819 | 784,841 | 334,922,499 |
What a typical home costs per month in Harwood
At this week's average 30-year rate of 7.11%, buying the median Harwood home of $321,100 with 20% down costs about $2,164 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,699, 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 $92,752 for the 20%-down payment. That payment is 18% of the median Harwood household income of $145,139; at that income and 20% down, the 28% guideline points to a home of about $502,000.
| Down payment | $64,220 |
|---|---|
| Loan amount | $256,880 |
| Principal and interest | $1,728 |
| Property taxes (1.13% a year) | $302 |
| Homeowners insurance (our estimate, 0.5% a year) | $134 |
| PMI | $0 |
| Total per month | $2,164 |
Change the numbers in the calculator
| Down payment | $11,238 |
|---|---|
| Loan amount | $315,284 |
| Principal and interest | $2,121 |
| Property taxes (1.13% a year) | $302 |
| Homeowners insurance (our estimate, 0.5% a year) | $134 |
| FHA mortgage insurance | $142 |
| Total per month | $2,699 |
Change the numbers in the calculator
Questions about home buying in Harwood
What is the median home value in Harwood?
About $321,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Harwood?
Homeowners pay a median $3,613 a year, which is about 1.13% 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 Harwood?
For the median home with 20% down at 7.11%, the payment is about $2,164 a month. Keeping that under 28% of gross income takes about $92,752 a year.
More about Harwood
- Mortgage Refinance in Harwood
- Debt Relief in Harwood
- Home Equity Loans in Harwood
- 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