The typical owner-occupied home in Stutsman County is worth about $208,400, 17% below the North Dakota median of $249,900 and 37% below the national median of $332,700. Owners pay a median $2,289 a year in property taxes, about 1.10% of their home's value, higher than the North Dakota rate of 0.99%. The median household earns $61,856 a year, so the median home costs 3.4 times the median income (3.3 times for North Dakota). 63% of occupied homes here are lived in by their owners, and 49% of those owners still have a mortgage.
Stutsman County at a glance
| Stutsman County | North Dakota | U.S. | |
|---|---|---|---|
| Median home value | $208,400 | $249,900 | $332,700 |
| Median property tax paid per year | $2,289 | $2,468 | $3,119 |
| Property tax as a share of value | 1.10% | 0.99% | 0.94% |
| Median household income | $61,856 | $76,657 | $80,734 |
| Homes lived in by their owners | 63% | 63% | 65% |
| Owner homes with a mortgage | 49% | 52% | 61% |
| Median monthly costs, owners with a mortgage | $1,583 | $1,762 | $1,963 |
| Those costs as a share of the owners' income | 18.5% | 19.4% | 21.0% |
| Median rent | $774 | $954 | $1,413 |
| Rent as a share of renters' income | 31.2% | 25.0% | 30.6% |
| Median year homes were built | 1973 | 1982 | 1980 |
| Vacant homes | 9.4% | 12.3% | 10.1% |
| Population | 21,549 | 784,841 | 334,922,499 |
What a typical home costs per month in Stutsman County
At this week's average 30-year rate of 7.11%, buying the median Stutsman County home of $208,400 with 20% down costs about $1,399 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,747, 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 $59,975 for the 20%-down payment. That payment is 27% of the median Stutsman County household income of $61,856; at that income and 20% down, the 28% guideline points to a home of about $215,000.
The median rent here is $774 a month, so owning the median home costs about $625 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $41,680 |
|---|---|
| Loan amount | $166,720 |
| Principal and interest | $1,122 |
| Property taxes (1.10% a year) | $191 |
| Homeowners insurance (our estimate, 0.5% a year) | $87 |
| PMI | $0 |
| Total per month | $1,399 |
Change the numbers in the calculator
| Down payment | $7,294 |
|---|---|
| Loan amount | $204,625 |
| Principal and interest | $1,377 |
| Property taxes (1.10% a year) | $191 |
| Homeowners insurance (our estimate, 0.5% a year) | $87 |
| FHA mortgage insurance | $92 |
| Total per month | $1,747 |
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Questions about home buying in Stutsman County
What is the median home value in Stutsman County?
About $208,400 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Stutsman County?
Homeowners pay a median $2,289 a year, which is about 1.10% 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 Stutsman County?
For the median home with 20% down at 7.11%, the payment is about $1,399 a month. Keeping that under 28% of gross income takes about $59,975 a year.
More about Stutsman County
- Mortgage Refinance in Stutsman County
- Debt Relief in Stutsman County
- Home Equity Loans in Stutsman 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