Market Overview
Home Prices in Rugby, ND
The median home value in Rugby, ND is $207,710 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 5.4% compared to a year ago and up 3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Rugby are priced49% below average. Rugby is part of the Minot, ND metro area.
Over the past five years, Rugby home values have risen by approximately4.5%, reflecting modest growth in this market.
Price History
Rugby Home Price Trend
2020
$199,560
$200K
—
2021
$198,853
$199K
-0.4%
2022
$208,559
$209K
+4.9%
2023
$200,283
$200K
-4.0%
2024
$191,325
$191K
-4.5%
2025
$197,087
$197K
+3.0%
2026
$207,710
$208K
+5.4%
City Comparison
Rugby vs. National Median
🏠 Rugby
$207,710
National Median
$410,000
At $207,710, homes in Rugby cost 49% below the national median of $410,000. This makes Rugby a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Rugby?
20% Down Payment
$41,542
on $207,710
Monthly P&I
$1,083/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,375/mo
incl. taxes & insurance
Income Needed
$55,000
gross annual (30% rule)
10% Down Option
$20,771
+ PMI applies
Loan Amount (20% dn)
$166,168
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Rugby, ND?
The median home value in Rugby is $207,710 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 5.4% year-over-year.
How much have home prices changed in Rugby?
Over the past year, home values in Rugby have increased by 5.4%. Over five years, prices have risen approximately 4.5%.
How much do I need to earn to buy a home in Rugby?
To comfortably afford the median home price of $207,710 with a 20% down payment ($41,542) at today's rates (6.8%), you'd need a gross annual income of approximately $55,000. This assumes keeping total housing costs at or below 30% of gross income.
How does Rugby compare to the national average home price?
The national median home value is approximately $410,000. At $207,710, homes in Rugby are 49% below the national average.
What metro area is Rugby part of?
Rugby is part of the Minot, ND metropolitan area. Home prices and market conditions can vary across the broader metro region.