Dickey County, North Dakota Housing Market

Median Sale Price

$105,950

low-volume — YoY suppressed

Active Inventory

Days on Market

21 days

Price Drops

100.0%

Single-Family vs. Condo

Source: Redfin (property-type breakdown)

Single-Family Median

$105,950

Buyer vs. Seller Market Indicators

Latest month — Redfin

Months of Supply

0.5 mo

Seller market

Inventory ÷ monthly sales. Below 3 = strong seller market; 3-6 balanced; above 6 = buyer market.

Sale-to-List Ratio

97.8%

At asking

Median closing price ÷ original list price. Above 100% = homes routinely closing above asking.

% Sold Above List

Buyer-favorable

Share of closed sales priced above asking. The single cleanest read on bidder competition.

What does your sqft target cost in Dickey County, North Dakota?

$98/sqft median (Redfin)

Square footage 2,000 sqft

Bedrooms +$0 adj

Bathrooms +$0 adj

Lot size optional

Estimated price

$196,466

Above median range (+85% vs median)

Region median

$105,950

all homes

Price-tier reverse lookup — what sqft does each price band buy?

$600,000

≈ 6,108 sqft

$1,200,000

≈ 12,216 sqft

$2,000,000

≈ 20,360 sqft

$5,000,000

≈ 50,899 sqft

Estimate = (median $/sqft × your sqft) + bed/bath/lot adjustments. Bed and bath adjustments use Appraisal Institute / Fannie Mae standard rules of thumb (~$15K/extra bedroom, ~$20K/extra bathroom vs. a 3bd/2ba baseline; half-bath = half adj). Lot premium is a $1.50/sqft heuristic beyond a 6,000 sqft baseline — accuracy varies sharply by urban infill vs. acreage market. Quality, condition, year built, and HOA are not modeled here. For a deeper county-level hedonic AVM, see AVM Lite.

Rent + invest vs. buy + own — backtested

15-yr rolling history · S&P 500

Property type:

Home price

Monthly rent

Down %

Rate %

Property tax %

Insurance / yr

Maintenance %

HOA / mo

Home appreciation %

Rent inflation %

Horizon (yrs)

Invest in

After-tax mode (MID, SALT, LTCG, Sec 121) Show inflation-adjusted (real) side-by-side VA loan (0% down, no PMI, funding fee)

BUY + OWN

Median ending wealth $93K $57K real

Net gain on $24K upfront: $69K

Range: $93K → $93K

Wealth = home value (appreciated at 3%/yr) − remaining mortgage − 6% selling cost. Gain = wealth − upfront. Leveraged appreciation on full $106K asset comes from the 20% down.

RENT + INVEST

Median ending portfolio $50K $33K real

Net gain on $24K contributed: $25K

Range: $-13 → $247K

Same upfront cash + each year's (own − rent) surplus invested in S&P 500 at actual annual returns. Median renter contributed $24K total.

Median wealth delta: $43K in favor of BUY + OWN

What if you'd started in a recent year? (most-recent 15yr window: 2011–2025)

Window	Buy wealth	Buy gain	Rent wealth	Rent gain	Wealth delta
2011–2025	$93K	$69K	$111K	$87K	$18K rent
2010–2024	$93K	$69K	$115K	$91K	$22K rent
2009–2023	$93K	$69K	$122K	$98K	$29K rent
2008–2022	$93K	$69K	$40K	$16K	$53K buy
2007–2021	$93K	$69K	$49K	$24K	$44K buy
2006–2020	$93K	$69K	$45K	$21K	$48K buy
2005–2019	$93K	$69K	$37K	$13K	$56K buy
2004–2018	$93K	$69K	$31K	$7K	$62K buy

Educational tool, not investment or real-estate advice. Past performance does not guarantee future results. Backtests use actual annual total returns including dividends from S&P 500 (Damodaran (NYU Stern) annual total return (with dividends), 1957-present.).

Buyer model: 30-yr fixed mortgage, P&I + property tax + insurance + maintenance (1% of value/yr) + HOA. Selling cost = 6%. Investor model: down payment + annual cashflow surplus invested in the chosen index at that calendar year's actual return.

Tax model: pre-tax comparison. Toggle "after-tax mode" to apply MID, SALT, LTCG, and the Sec 121 capital-gains exclusion.

This calculator does not adjust for: PMI (assumed 20%+ down), differential transaction costs by state, lifestyle factors (commute, schools, kids), illiquidity / forced-sale risk, or insurance availability constraints (e.g., FL/CA wildfire). Consult a fiduciary advisor and tax professional before acting on any of this.

Market Pressure Signals

Derived from Redfin trend

Inventory vs. Long-Term Avg

-76.2%

deficit — seller leverage

DOM vs. 24-Mo Avg

-75.3%

currently 21 days

Long-Term Avg Inventory

Long-Term Avg DOM

85 days

Mortgage & Price Stress

State HPI + national delinquency

State HPI YoY

+3.8%

positive — appreciating

State HPI vs. Peak

-0.5%

at or near peak peak 2025-07-01

National Mortgage Delinquency

1.89%

benchmark — 2026-01-01 county-grain delinquency requires paid data

State-grain HPI YoY + drawdown from peak is the cleanest free price-stress proxy. The national delinquency rate gives the macro mortgage-stress backdrop. True county-level mortgage delinquency lives in paid datasets (MBA NDS, CoreLogic LP).

Value Ratios

Median home price ÷ county median income

Value / Income

1.7×

bargain

Median Household Income

$63,125

Census ACS B19013

Historically affordable markets sit at 3–4× income; over 5× is stretched, over 6× is severely overvalued. Lower ratios point to bargain opportunities.

Housing Stock & Owners

Census ACS 5-year (B19013, B01003, B25002, B25003, B25034, B25007)

Population

4,959

total residents

Total Housing Units

2,386

all units, occupied + vacant

Vacancy Rate

18.1%

high vacancy

Homeownership Rate

78.1%

of occupied units owner-occupied

Boomer Owners (65+)

23.9%

of homeowner households

Millennial / Gen-X Owners (35-54)

8.8%

of homeowner households

Pre-1949 Housing Stock

34.1%

structures built before 1949

When boomer-owner share is high, expect more inventory hitting the market over the next decade as homes transition. High vacancy + high old-stock often signals deferred-maintenance markets where buyers can negotiate.

Who's Moving In (Census ACS)

Source: Census ACS B07001 (5-year)

Inbound Movers (1 yr)

298

6.06% of pop. — moved here from outside the county

From Other States

167

3.4% of pop. — interstate inbound

From Abroad

moved into the county from outside the U.S.

Same House 1 Year Ago

86%

stable residents

Census ACS asks where people lived 1 year ago, so this counts inbound movers but does not show outbound — true net migration would require IRS SOI parsing.

Trends

Up to 5 years of monthly data

Median Sale Price

Trailing 12 months

Active Inventory

Trailing 12 months

Days on Market

Trailing 12 months

Looking for state-level data? See North Dakota statewide stats →

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