58785 — Ward County, North Dakota Market Snapshot
Housing market data for zip code 58785 in Ward County, North Dakota. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$399,900
Days to Sell
83
Homes Sold
15
Inventory
5
Sale-to-List
97.8%
New Listings
13
Price/SqFt
$149
Pending Sales
12
Conforming Loan Available
Most homebuyers in 58785 can comfortably use conventional financing. The median home price of $399,900 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 83 days on average, 58785 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 58785 sells for 2.2% below asking price (97.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 58785 can comfortably use conventional financing. The median home price of $399,900 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 58785 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 58785
To purchase the median home at $399,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,214.
Monthly Payment
$3,214
Income Required
$137,739
Principal & Interest
$2,464/mo
Down Payment (5%)
$19,995
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 58785.
Estimated Monthly Payment
$2,625
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