The typical owner-occupied home in Morton County is worth about $263,900, 6% above the North Dakota median of $249,900 and 21% below the national median of $332,700. Owners pay a median $2,686 a year in property taxes, about 1.02% of their home's value, close to the North Dakota rate of 0.99%. The median household earns $79,382 a year, so the median home costs 3.3 times the median income (3.3 times for North Dakota). 74% of occupied homes here are lived in by their owners, and 58% of those owners still have a mortgage.
Morton County at a glance
| Morton County | North Dakota | U.S. | |
|---|---|---|---|
| Median home value | $263,900 | $249,900 | $332,700 |
| Median property tax paid per year | $2,686 | $2,468 | $3,119 |
| Property tax as a share of value | 1.02% | 0.99% | 0.94% |
| Median household income | $79,382 | $76,657 | $80,734 |
| Homes lived in by their owners | 74% | 63% | 65% |
| Owner homes with a mortgage | 58% | 52% | 61% |
| Median monthly costs, owners with a mortgage | $1,763 | $1,762 | $1,963 |
| Those costs as a share of the owners' income | 22.0% | 19.4% | 21.0% |
| Median rent | $1,076 | $954 | $1,413 |
| Rent as a share of renters' income | 27.1% | 25.0% | 30.6% |
| Median year homes were built | 1980 | 1982 | 1980 |
| Vacant homes | 9.8% | 12.3% | 10.1% |
| Population | 33,777 | 784,841 | 334,922,499 |
What a typical home costs per month in Morton County
At this week's average 30-year rate of 7.11%, buying the median Morton County home of $263,900 with 20% down costs about $1,754 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,194, 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 $75,192 for the 20%-down payment. That payment is 27% of the median Morton County household income of $79,382; at that income and 20% down, the 28% guideline points to a home of about $279,000.
The median rent here is $1,076 a month, so owning the median home costs about $678 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $52,780 |
|---|---|
| Loan amount | $211,120 |
| Principal and interest | $1,420 |
| Property taxes (1.02% a year) | $224 |
| Homeowners insurance (our estimate, 0.5% a year) | $110 |
| PMI | $0 |
| Total per month | $1,754 |
Change the numbers in the calculator
| Down payment | $9,236 |
|---|---|
| Loan amount | $259,120 |
| Principal and interest | $1,743 |
| Property taxes (1.02% a year) | $224 |
| Homeowners insurance (our estimate, 0.5% a year) | $110 |
| FHA mortgage insurance | $117 |
| Total per month | $2,194 |
Change the numbers in the calculator
Questions about home buying in Morton County
What is the median home value in Morton County?
About $263,900 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Morton County?
Homeowners pay a median $2,686 a year, which is about 1.02% 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 Morton County?
For the median home with 20% down at 7.11%, the payment is about $1,754 a month. Keeping that under 28% of gross income takes about $75,192 a year.
More about Morton County
- Mortgage Refinance in Morton County
- Debt Relief in Morton County
- Home Equity Loans in Morton 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