The typical owner-occupied home in Kensal is worth about $118,800, 52% below the North Dakota median of $249,900 and 64% below the national median of $332,700. Owners pay a median $613 a year in property taxes, about 0.52% of their home's value, lower than the North Dakota rate of 0.99%. The median household earns $75,000 a year, so the median home costs 1.6 times the median income (3.3 times for North Dakota). 86% of occupied homes here are lived in by their owners, and 40% of those owners still have a mortgage.
Kensal at a glance
| Kensal | North Dakota | U.S. | |
|---|---|---|---|
| Median home value | $118,800 | $249,900 | $332,700 |
| Median property tax paid per year | $613 | $2,468 | $3,119 |
| Property tax as a share of value | 0.52% | 0.99% | 0.94% |
| Median household income | $75,000 | $76,657 | $80,734 |
| Homes lived in by their owners | 86% | 63% | 65% |
| Owner homes with a mortgage | 40% | 52% | 61% |
| Median monthly costs, owners with a mortgage | $1,042 | $1,762 | $1,963 |
| Those costs as a share of the owners' income | 18.0% | 19.4% | 21.0% |
| Median rent | – | $954 | $1,413 |
| Median year homes were built | 1938 | 1982 | 1980 |
| Vacant homes | 9.6% | 12.3% | 10.1% |
| Population | 233 | 784,841 | 334,922,499 |
What a typical home costs per month in Kensal
At this week's average 30-year rate of 7.11%, buying the median Kensal home of $118,800 with 20% down costs about $740 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $938, 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 $31,728 for the 20%-down payment. That payment is 12% of the median Kensal household income of $75,000; at that income and 20% down, the 28% guideline points to a home of about $281,000.
| Down payment | $23,760 |
|---|---|
| Loan amount | $95,040 |
| Principal and interest | $639 |
| Property taxes (0.52% a year) | $51 |
| Homeowners insurance (our estimate, 0.5% a year) | $50 |
| PMI | $0 |
| Total per month | $740 |
Change the numbers in the calculator
| Down payment | $4,158 |
|---|---|
| Loan amount | $116,648 |
| Principal and interest | $785 |
| Property taxes (0.52% a year) | $51 |
| Homeowners insurance (our estimate, 0.5% a year) | $50 |
| FHA mortgage insurance | $53 |
| Total per month | $938 |
Change the numbers in the calculator
Questions about home buying in Kensal
What is the median home value in Kensal?
About $118,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Kensal?
Homeowners pay a median $613 a year, which is about 0.52% 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 Kensal?
For the median home with 20% down at 7.11%, the payment is about $740 a month. Keeping that under 28% of gross income takes about $31,728 a year.
More about Kensal
- Mortgage Refinance in Kensal
- Debt Relief in Kensal
- Home Equity Loans in Kensal
- 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