The typical owner-occupied home in Upham is worth about $53,800, 78% below the North Dakota median of $249,900 and 84% below the national median of $332,700. Owners pay a median $400 a year in property taxes, about 0.74% of their home's value, lower than the North Dakota rate of 0.99%. 71% of occupied homes here are lived in by their owners, and 17% of those owners still have a mortgage.
Upham at a glance
| Upham | North Dakota | U.S. | |
|---|---|---|---|
| Median home value | $53,800 | $249,900 | $332,700 |
| Median property tax paid per year | $400 | $2,468 | $3,119 |
| Property tax as a share of value | 0.74% | 0.99% | 0.94% |
| Median household income | – | $76,657 | $80,734 |
| Homes lived in by their owners | 71% | 63% | 65% |
| Owner homes with a mortgage | 17% | 52% | 61% |
| Median monthly costs, owners with a mortgage | $1,031 | $1,762 | $1,963 |
| Those costs as a share of the owners' income | 10.8% | 19.4% | 21.0% |
| Median rent | $554 | $954 | $1,413 |
| Rent as a share of renters' income | 13.1% | 25.0% | 30.6% |
| Median year homes were built | 1955 | 1982 | 1980 |
| Vacant homes | 36.3% | 12.3% | 10.1% |
| Population | 102 | 784,841 | 334,922,499 |
What a typical home costs per month in Upham
At this week's average 30-year rate of 7.11%, buying the median Upham home of $53,800 with 20% down costs about $345 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $435, 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 $14,791 for the 20%-down payment.
The median rent here is $554 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $10,760 |
|---|---|
| Loan amount | $43,040 |
| Principal and interest | $290 |
| Property taxes (0.74% a year) | $33 |
| Homeowners insurance (our estimate, 0.5% a year) | $22 |
| PMI | $0 |
| Total per month | $345 |
Change the numbers in the calculator
| Down payment | $1,883 |
|---|---|
| Loan amount | $52,826 |
| Principal and interest | $355 |
| Property taxes (0.74% a year) | $33 |
| Homeowners insurance (our estimate, 0.5% a year) | $22 |
| FHA mortgage insurance | $24 |
| Total per month | $435 |
Change the numbers in the calculator
Questions about home buying in Upham
What is the median home value in Upham?
About $53,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Upham?
Homeowners pay a median $400 a year, which is about 0.74% 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 Upham?
For the median home with 20% down at 7.11%, the payment is about $345 a month. Keeping that under 28% of gross income takes about $14,791 a year.
More about Upham
- Mortgage Refinance in Upham
- Debt Relief in Upham
- Home Equity Loans in Upham
- 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