The median home in Fargo, North Dakota is valued at $309,018, up 4.2% year over year. Typical monthly rent is $1,093, producing a price-to-rent ratio of 23.6x — well above the national average of 18x. Fargo is part of the Fargo, ND-MN metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.
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Home Value$309,018
+4.2%
Rent$1,093/mo
AFFORDABILITYRenting $872/mo cheaper ($1,093 rent)6.50% 30yr, 20% down, county tax + ND ins. 28% per HUD.
Enter your income for Fargo.
$61,804 on $309,018
Stretch — 31.4% of income
Above 28% but manageable with cuts.
PITI$1,965
P/I31.4%
Afford$275K
Gap-$34K
P&I $1,563Tax $252Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in North Dakota
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Full Fargo, ND-MN analysis
Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Fargo, ND-MN metro.
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