58701 — Ward County, North Dakota Market Snapshot
Housing market data for zip code 58701 in Ward County, North Dakota. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$307,450
Days to Sell
104
Homes Sold
10
Inventory
9
Sale-to-List
95.5%
New Listings
11
Price/SqFt
$201
Pending Sales
9
Conforming Loan Available
Most homebuyers in 58701 can comfortably use conventional financing. The median home price of $307,450 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 104 days on average, 58701 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 58701 sells for 4.5% below asking price (95.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 58701 can comfortably use conventional financing. The median home price of $307,450 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 58701 are set at the county level.
2026 Loan Limits — Ward County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 58701
To purchase the median home at $307,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,506.
Monthly Payment
$2,506
Income Required
$107,382
Principal & Interest
$1,894/mo
Down Payment (5%)
$15,373
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 58701.
Estimated Monthly Payment
$2,053
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