The median home in Ray, North Dakota is valued at $197,857, down 1.3% year over year. Ray is part of the Williston, ND metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Williston, ND stress score, crash risk, and 12-month forecast →

Home Value$197,857

-1.3%

AFFORDABILITY

Enter your income for Ray.

Income (annual)

Down Payment

$39,571 on $197,857

Affordable — 21% of income

Under the 28% guideline.

PITI$1,312

P/I21%

Afford$264K

Room+$66K

P&I $1,000Tax $162Ins $150

6.50% 30yr, 20% down, county tax + ND ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in North Dakota

Compare Ray with other housing markets across North Dakota.

Reiles Acres$559K Baldwin$470K Argusville$415K Kindred$392K Horace$390K Colfax$385K Harwood$381K Menoken$376K

Full Williston, ND analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Williston, ND metro.

View Williston, ND metro →

RAY, ND