The typical owner-occupied home in White Earth is worth about $109,700, 56% below the North Dakota median of $249,900 and 67% below the national median of $332,700. Owners pay a median $873 a year in property taxes, about 0.80% of their home's value, lower than the North Dakota rate of 0.99%. The median household earns $69,063 a year, so the median home costs 1.6 times the median income (3.3 times for North Dakota). 90% of occupied homes here are lived in by their owners, and 0% of those owners still have a mortgage.
White Earth at a glance
| White Earth | North Dakota | U.S. | |
|---|---|---|---|
| Median home value | $109,700 | $249,900 | $332,700 |
| Median property tax paid per year | $873 | $2,468 | $3,119 |
| Property tax as a share of value | 0.80% | 0.99% | 0.94% |
| Median household income | $69,063 | $76,657 | $80,734 |
| Homes lived in by their owners | 90% | 63% | 65% |
| Owner homes with a mortgage | 0% | 52% | 61% |
| Median monthly costs, owners with a mortgage | – | $1,762 | $1,963 |
| Median rent | – | $954 | $1,413 |
| Median year homes were built | 1971 | 1982 | 1980 |
| Vacant homes | 8.8% | 12.3% | 10.1% |
| Population | 63 | 784,841 | 334,922,499 |
What a typical home costs per month in White Earth
At this week's average 30-year rate of 7.11%, buying the median White Earth home of $109,700 with 20% down costs about $709 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $892, 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 $30,395 for the 20%-down payment. That payment is 12% of the median White Earth household income of $69,063; at that income and 20% down, the 28% guideline points to a home of about $249,000.
| Down payment | $21,940 |
|---|---|
| Loan amount | $87,760 |
| Principal and interest | $590 |
| Property taxes (0.80% a year) | $73 |
| Homeowners insurance (our estimate, 0.5% a year) | $46 |
| PMI | $0 |
| Total per month | $709 |
Change the numbers in the calculator
| Down payment | $3,840 |
|---|---|
| Loan amount | $107,713 |
| Principal and interest | $725 |
| Property taxes (0.80% a year) | $73 |
| Homeowners insurance (our estimate, 0.5% a year) | $46 |
| FHA mortgage insurance | $49 |
| Total per month | $892 |
Change the numbers in the calculator
Questions about home buying in White Earth
What is the median home value in White Earth?
About $109,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in White Earth?
Homeowners pay a median $873 a year, which is about 0.80% 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 White Earth?
For the median home with 20% down at 7.11%, the payment is about $709 a month. Keeping that under 28% of gross income takes about $30,395 a year.
More about White Earth
- Mortgage Refinance in White Earth
- Debt Relief in White Earth
- Home Equity Loans in White Earth
- 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