58703 — Ward County, North Dakota Market Snapshot
Housing market data for zip code 58703 in Ward County, North Dakota. Updated monthly with median prices, days on market, and more.
Market Sales Data
85 sales in 2026 (year to date)
Median Sale Price
$307,000
Days to Sell
41
Homes Sold
85
Inventory
75
Sale-to-List
98.9%
New Listings
104
Price/SqFt
$149
Pending Sales
119
Conforming Loan Available
Most homebuyers in 58703 can comfortably use conventional financing. The median home price of $307,000 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
58703's market is balanced with homes taking an average of 41 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 58703 (98.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 58703 can comfortably use conventional financing. The median home price of $307,000 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 58703 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 58703
To purchase the median home at $307,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,502.
Monthly Payment
$2,502
Income Required
$107,235
Principal & Interest
$1,892/mo
Down Payment (5%)
$15,350
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 58703.
Estimated Monthly Payment
$2,050
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