Jamestown, North Dakota.
Typical home $214,685 (+4.6% in a year), asking rent $1,051 (+5.7%). Jamestown, ND metro.
to buy the typical home at today's mortgage rate — +$485 (+76%) since Jan 2020.
- 1 year
- Up $9,409 +5%
- $205,277$214,685 since Sep 2025
- 5 years
- Up $32,350 +18%
- $182,335$214,685 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Jamestown$1,127
- North Dakota$1,526
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 21 years.
Typical home values in Jamestown, ND rose 4.6% over the past year — faster than the nation's +1.2%.
Asking rents in Jamestown, ND rose 5.7% over the past year — faster than the nation's +2.7%.
Owning the typical home in Jamestown runs $503/mo more than renting one. The gap peaked at $541 in Nov 2022.
That is $1,553 a month against $1,051 rent: a $1,127 mortgage payment, plus $197 property tax and $230 insurance & upkeep.
Owning vs renting — Jamestown
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$1,553
- Renting$1,051
- Mortgage only$1,127
Property tax · $197/mo 1.10% of value a year — the ACS 2020-2024 median bill over the median home value for Stutsman County, ND
Insurance & upkeep · $230/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Jamestown, Stutsman County, North Dakota
Jamestown is a city of 15,849 people in Stutsman County. Half its households earn more than $56,554 a year and half less, against $61,856 across Stutsman County; 15% of its people live below the poverty line. 55% of its homes are lived in by their owners and 45% are rented. Unemployment in Stutsman County was 1.9% in August 2026, and the county had 0.5% more jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Jamestown is a small city in Stutsman County, North Dakota, with a median age a little above the national middle. Incomes here run below the county's, and a smaller share of adults hold a four-year degree than in many places. Slightly more homes are lived in by their owners than rented, and a typical home costs less than the national norm, with rents to match. Winters are cold, with January highs well below freezing and lows near zero, and a good deal of snow falls each year. Summers turn warm, and July is the warmest month.
Work. Many residents work in schools, hospitals and social care, followed by shops, restaurants and hotels, and manufacturing. The largest workplaces in Jamestown include the University of Jamestown, the Jamestown school district and Walmart. Unemployment across Stutsman County is low and slightly lower than a year ago, and the number of jobs there has edged up. The typical commute is short, and few people work from home.
Things to do. The Pipestem River is a short drive away and makes an easy outing for anyone who likes time by the water. Farther out, a longer drive reaches Arrowwood National Wildlife Refuge, a protected area, and Prairie Lake. Refuges like these are known for birdwatching and quiet walks, and the same goes for the other protected lands that lie around the town.
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- 7,123households
- 24%of adults have a degree
- 15%below the poverty line
- 11 mintypical commute
- 5%work from home
What residents work in
Employed residents by industry, from the Census survey. Stutsman County had 11,132 jobs in 2025, 0.5% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 18° and lows near 0°; warmest in July, with highs near 82° and lows near 58°. About 46 inches of snow and 21 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Jamestown State Hosp weather station, 2 miles away (NOAA).
Largest workplaces in Jamestown
- University of Jamestown - JamestownUniversities389
- Jamestown 1 SchoolsSchool district334FTE
- WalmartWarehouse clubs and supercenters286
- ND State HospitalPsychiatric hospital280FTE
- SMP Health - Ave MariaNursing homes255
- Cavendish FarmsFrench fries, frozen, pre-cooked, manufacturing234
- AgricoverPickup canopies, caps, or covers manufacturing164
- Eventide JamestownService- nursing home129
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 18 workplaces with 20 or more staff, 2,151 people in all. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Winter weatherVery high
- Cold wavesVery high
- Ice stormsRelatively high
- HailRelatively high
- Strong windRelatively high
- Tornadoesrelatively high in parts of JamestownRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Jamestown’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Stutsman County and the Jamestown, ND metro.
Jamestown home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Jamestown$214,685
- North Dakota$290,657
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 5 Jamestown listings — the market is heating up.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Jamestown19.74%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Jamestown39
New listings per month
Sellers arriving at the market.
- Jamestown15
Zip codes with a Jamestown address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Jamestown — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.