The story of this market
The typical home in Towner County, North Dakota sells for about $134,800.
Prices are roughly flat from a year ago (0%), a market in balance. The biggest natural hazard here is cold wave, 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.
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.
Natural hazard exposure
The area's risk shape
79
Relatively Moderate
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $2,739,362.
Mortgage activity
Home lending in this county
71.4%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 35 | 20 | 71.4% | 6.7% | $115,000 |
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 Approval rate is approved ÷ decided (withdrawn and incomplete files excluded).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.
Towner County, North Dakota
Towner County is a stable, rural housing market with very low transaction volume and minimal new construction activity. The market is driven by long-term residents and a high owner-occupancy rate, with limited rental demand and a declining population base.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. 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 · 3 cities · 3 ZIP reports
Median prices moved sideways 0.0% year over year.
Awaiting this reading — not graded.
0% of listings have cut prices · homes sell at 0% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 2.1% · poverty 8.5% — a stable, low-distress profile.
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.
No researched ZIP reports yet — ZIP discovery runs with the county's first refresh, and each ZIP's intel report appears here once its research lands.
The county has a FEMA National Risk Index score of 2.0, indicating relatively low climate and hazard risk exposure.
The county is a rural, sparsely populated area with a declining population trend and limited large-scale industrial or infrastructure development.
Property taxes are assessed at the county level; specific rate structures and exemptions are governed by North Dakota state law and local taxing districts.
The rental market is characterized by low density and limited inventory, with a median gross rent of $757.
The local economy is primarily rural and agricultural, with a low unemployment rate of 2.1% as of May 2026.
The county is served by U.S. Route 281 and several state highways, including ND-4, ND-5, ND-17, and ND-66, facilitating regional transit.
Data sourced from U.S. Census Bureau QuickFacts and Census Reporter.
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.