Towner, ND—58788
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Towner, ND
As of Oct '25, the median home price in Towner, ND is $130,000, with a year-over-year change of -12.5%. This indicates that home prices in Towner, ND are decreasing. According to Zillow, the 1-year price projection is 0.5%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $130,000 | -12.5% |
| Single Family | $130,000 | -13.3% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | N/A | N/A |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Towner, ND
Towner, ND lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | N/A | N/A |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Towner, ND
As of Oct '25, Realtor.com reports that the median days on market for a home in Towner, ND is 55. This is a decrease of -37.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 0.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $168,000 | 29.0% |
Listing Count | 5 | 89.0% |
| Listings as % of Homes | 0.4% | 89.0% |
Days on Market | 55 | -37.0% |
Demographics — Towner, ND
As of the latest ACS Survey released in 2023, Towner, ND has a population of 803, which has decreased by -36.1% over the past 5 years. Towner, ND is a moderately popular place for families, as children make up 20.0% of the population. The area has a poorly educated workforce, with 22.8% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 17.0% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 803 | -36.1% |
% Under 18 | 20.0% | -24.8% |
% Seniors | 29.6% | 23.8% |
% WFH | 17.0% | 136.1% |
% w/ College Degree | 22.8% | -2.6% |
As of the latest ACS Survey released in 2023, Towner, ND is a predominantly white area, with 89.8% of the population identifying as white. The white population has shrunk by 2.2% in the last 5 years. The second most common race or ethnicity in Towner, ND is black, making up 4.1% of the population. Foreign-born residents account for 1.0% of the population in Towner, ND, and this percentage has decreased by 74.4% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 89.8% | -2.2% |
% Black | 4.1% | 272.7% |
% Hispanic | 3.4% | -38.2% |
% Asian | 0.0% | -100.0% |
% Foreign Born | 1.0% | -74.4% |
Mortgage and Risk — Towner, ND
According to HUD data as of 2023, there were 20 mortgage originations in Towner, ND, of which 60.0% of loans were conventional mortgages. The average loan-to-value was 81.0%, with 55.0% above 90% LTV (very high). This implies large mortgage risk in Towner, ND. Investor activity is low, as 0.0% of loans were by investors. 0.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 20 |
% Conventional Loans | 60.0% |
% Government Loans | 40.0% |
% Investor Loans | 0.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 0.0% |
Loan Activity
Rentals and Section 8 — Towner, ND
Towner, ND lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 21 |
Total Units Section 8 | 21 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $710 |
| 2 Bedroom | N/A | N/A | $930 |
| 3 Bedroom | N/A | N/A | $1,200 |
| 4 Bedroom | N/A | N/A | $1,560 |
Affordability — Towner, ND
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.1 |
| Median Home Price | $130,000 |
| Median Household Income | $80,300 |