The story of this market
The typical home in Ramsey County, North Dakota sells for about $233,000, or $135 per square foot.
Prices are up +7.4% from a year ago, so sellers still have some momentum. Homes take about 95 days to sell, which is slow. Over the long run, values in this county have grown 205% since 2001. The biggest natural hazard here is winter weather, which FEMA rates very high. HUD's fair market rent for a two-bedroom is $1,014 a month.
HUD sets the fair market rent for a 2-bedroom at $1,014 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Moderate.
Price climate
Every year of price change, 2001–2025
0%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2015 (+14.9%). Worst: 2018 (-3.3%). Hover to read a year.
Monthly price momentum
Home values since 2015
+4.6%
ND · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$1,404
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2001–2025
0%
2025 change
FHFA repeat-sales index, median of 3 census tracts in this county (2001 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
80
Relatively Moderate
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $8,626,806.
Mortgage activity
Home lending in this county
83%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 312 | 196 | 83% | 5.4% | $185,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Ramsey County, North Dakota
The Ramsey County housing market is characterized by steady demand and limited inventory, resulting in moderate price appreciation over the past year. The market remains stable, supported by a consistent local economy and a lack of significant new construction, which keeps supply tight relative to demand.
3 distress filing(s) on the ARED verified county foreclosure ledger. Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Select a city to expand its ZIP intel reports beneath · 2 cities · 8 ZIP reports
Median prices moved sideways 0.0% year over year.
Homes spend a median of 136 days on market with 0.1 months of supply — a balanced-paced market.
0% of listings have cut prices · homes sell at 43.01% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.2% · poverty 15.2% — a stable, low-distress profile.
Deterministic aggregate of 8 researched ZIP reports — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Ramsey County, North Dakota — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 4.6%/yr trend — a deterministic estimate, not a published forecast or guarantee.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
researched Sep 27
researched Sep 27
researched Sep 27
researched Sep 27
researched Sep 27
researched Sep 27
researched Sep 27
researched Sep 27
| 58301 | Devils Lake | $114,950 | $105 | — | 62 | 98.5% | 1.2% | 1.1 | 84 | $712 | researched Sep 27 |
| 58324 | Cando | $120,000 | $48 | — | 332 | 100% | — | — | 9 | $768 | researched Sep 27 |
| 58344 | Lakota | $145,000 | $88 | +1.8% | 112 | 96.5% | 12% | 9.4 | 20 | $603 | researched Sep 27 |
| 58348 | Maddock | $62,563 | — | — | — | — | — | — | — | $538 | researched Sep 27 |
| 58351 | Minnewaukan | $125,000 | $85 | +2.5% | 112 | 96% | — | 12 | 4 | $590 | researched Sep 27 |
| 58360 | — | $145,000 | $98 | -2.4% | 112 | 96.2% | 18.5% | 6.8 | 42 | $850 | researched Sep 27 |
| 58369 | Saint John | $90,536 | — | — | — | — | — | — | — | $745 | researched Sep 27 |
| 58382 | Webster | $134,000 | $85 | +2.1% | 142 | 96% | — | 12 | 4 | $750 | researched Sep 27 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
Public education is primarily served by the Devils Lake Public School District, which provides standard K-12 instruction for the county seat and surrounding areas.
The county is located in a region prone to seasonal flooding, particularly near the Devils Lake basin, and experiences high-wind events common to the North Dakota plains.
Economic activity is anchored by agriculture, government services, and tourism related to the Devils Lake recreational area, with steady but modest development momentum.
Property taxes are assessed at the county level based on true and full value, with mill rates determined by local taxing jurisdictions including school districts and municipal governments.
The area is a major destination for outdoor recreation, featuring the Devils Lake basin for fishing and boating, as well as extensive migratory bird flyways for hunting and wildlife observation.
The rental market is characterized by limited inventory and steady demand, primarily driven by local workforce needs and the seasonal nature of the regional economy.
The economy is primarily supported by agriculture, public sector employment, and tourism, with Devils Lake serving as the primary commercial hub.
The county is served by U.S. Highway 2 and U.S. Highway 281, with passenger rail service provided by the Amtrak Empire Builder at the Devils Lake station.
The Ramsey County Tax Director's office oversees the assessment of real property, ensuring valuations align with state-mandated standards for property taxation.
Parcels are subject to levies from the county, city, and local school districts, with additional special assessments possible for water and utility infrastructure.
Property insurance premiums are influenced by the region's exposure to severe weather, including high winds and potential flood risks associated with the Devils Lake basin.
Net domestic migration has remained relatively flat, with small annual fluctuations reflecting the rural nature of the county.
North Dakota is a judicial foreclosure state, requiring court action to initiate the foreclosure process, which provides specific notice and redemption rights to homeowners.
Sellers are required to provide a property disclosure statement detailing the condition of the home, including known material defects.
- Ranch Steakhouse4.515.9 mi
- Roosevelt Park4.515 mi
- Ruger Park4.514.1 mi
- Fort Totten State Historic Site4.625.9 mi
- Roosevelt Park4.515 mi
- Ruger Park4.514.1 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area ranked by popularity within the radius shown.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
A major regional destination for fishing, boating, and outdoor recreation.
A protected area serving as a critical habitat within a major migratory bird flyway.
Data retrieved from Census Reporter and U.S. Census Bureau QuickFacts.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
applies when — Qualified individuals including seniors and individuals with permanent disabilities meeting specific income and asset thresholds
Provides a reduction in property tax liability based on income brackets, effectively lowering the tax burden for eligible homeowners.
N.D.C.C. Chapter 57-02
Allows for non-judicial foreclosure of real property mortgages through advertisement, subject to statutory notice and redemption requirements.
N.D.C.C. Chapter 35-22
Tax is calculated by multiplying the taxable value by the total millage rate. Taxable value is 4.5% of the true and full (market) value. Formula: (Market Value * 0.50 * 0.09) * (Mills / 1000) or more simply (Market Value * 0.045) * (Mills / 1000).
N.D.C.C. Chapters 57-02 through 57-35
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.