Market Overview
Home Prices in Valley City, ND
The median home value in Valley City, ND is $203,134 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 8.8% compared to a year ago and up 3.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Valley City are priced50% below average.
Over the past five years, Valley City home values have risen by approximately22.5%, reflecting strong long-term appreciation in this market.
Price History
Valley City Home Price Trend
2020
$158,114
$158K
—
2021
$165,762
$166K
+4.8%
2022
$185,070
$185K
+11.6%
2023
$179,798
$180K
-2.8%
2024
$179,982
$180K
+0.1%
2025
$186,756
$187K
+3.8%
2026
$203,134
$203K
+8.8%
City Comparison
Valley City vs. National Median
🏠 Valley City
$203,134
National Median
$410,000
At $203,134, homes in Valley City cost 50% below the national median of $410,000. This makes Valley City a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Valley City?
20% Down Payment
$40,627
on $203,134
Monthly P&I
$1,059/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,345/mo
incl. taxes & insurance
Income Needed
$53,800
gross annual (30% rule)
10% Down Option
$20,313
+ PMI applies
Loan Amount (20% dn)
$162,507
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 Valley City, ND?
The median home value in Valley City is $203,134 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 8.8% year-over-year.
How much have home prices changed in Valley City?
Over the past year, home values in Valley City have increased by 8.8%. Over five years, prices have risen approximately 22.5%.
How much do I need to earn to buy a home in Valley City?
To comfortably afford the median home price of $203,134 with a 20% down payment ($40,627) at today's rates (6.8%), you'd need a gross annual income of approximately $53,800. This assumes keeping total housing costs at or below 30% of gross income.
How does Valley City compare to the national average home price?
The national median home value is approximately $410,000. At $203,134, homes in Valley City are 50% below the national average.