The typical owner-occupied home in Osnabrock is worth about $31,900, 87% below the North Dakota median of $249,900 and 90% below the national median of $332,700. Owners pay a median $667 a year in property taxes, about 2.09% of their home's value, higher than the North Dakota rate of 0.99%. The median household earns $19,479 a year, so the median home costs 1.6 times the median income (3.3 times for North Dakota). 51% of occupied homes here are lived in by their owners, and 0% of those owners still have a mortgage.
Osnabrock at a glance
| Osnabrock | North Dakota | U.S. | |
|---|---|---|---|
| Median home value | $31,900 | $249,900 | $332,700 |
| Median property tax paid per year | $667 | $2,468 | $3,119 |
| Property tax as a share of value | 2.09% | 0.99% | 0.94% |
| Median household income | $19,479 | $76,657 | $80,734 |
| Homes lived in by their owners | 51% | 63% | 65% |
| Owner homes with a mortgage | 0% | 52% | 61% |
| Median monthly costs, owners with a mortgage | – | $1,762 | $1,963 |
| Median rent | $1,053 | $954 | $1,413 |
| Rent as a share of renters' income | 51.0% | 25.0% | 30.6% |
| Median year homes were built | 1967 | 1982 | 1980 |
| Vacant homes | 20.0% | 12.3% | 10.1% |
| Population | 115 | 784,841 | 334,922,499 |
What a typical home costs per month in Osnabrock
At this week's average 30-year rate of 7.11%, buying the median Osnabrock home of $31,900 with 20% down costs about $241 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $294, 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 $10,308 for the 20%-down payment. That payment is 15% of the median Osnabrock household income of $19,479; at that income and 20% down, the 28% guideline points to a home of about $60,000.
The median rent here is $1,053 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $6,380 |
|---|---|
| Loan amount | $25,520 |
| Principal and interest | $172 |
| Property taxes (2.09% a year) | $56 |
| Homeowners insurance (our estimate, 0.5% a year) | $13 |
| PMI | $0 |
| Total per month | $241 |
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| Down payment | $1,116 |
|---|---|
| Loan amount | $31,322 |
| Principal and interest | $211 |
| Property taxes (2.09% a year) | $56 |
| Homeowners insurance (our estimate, 0.5% a year) | $13 |
| FHA mortgage insurance | $14 |
| Total per month | $294 |
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Questions about home buying in Osnabrock
What is the median home value in Osnabrock?
About $31,900 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Osnabrock?
Homeowners pay a median $667 a year, which is about 2.09% 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 Osnabrock?
For the median home with 20% down at 7.11%, the payment is about $241 a month. Keeping that under 28% of gross income takes about $10,308 a year.
More about Osnabrock
- Mortgage Refinance in Osnabrock
- Debt Relief in Osnabrock
- Home Equity Loans in Osnabrock
- 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