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Learn about the people, housing, costs and businesses in Oakes, North Dakota
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Oakes.
True all-in cost — P&I, taxes, insurance & utilities for homes in Oakes.
Find and compare lenders active near Oakes.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Oakes.
Seismic risk and earthquake insurance estimates for Oakes.
Wildfire exposure and insurance estimates for Oakes.
As of today, the 30-year fixed mortgage rate for Oakes is approximately 6.954% (6.992% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for OakesThe median home value in Oakes is $161k. The median monthly rent is $862. Annual property taxes average $2k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Oakes have increased 2.7% over the past two years. The market has been relatively stable. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $860/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $37k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Oakes is $81k/year.
Calculate your buying powerThe largest employment sectors in Oakes are public administration (25%) and retail (23%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.