North Dakota foreclosures and housing market
How foreclosure works in North Dakota, which counties lean to buyers or sellers, and how many homes are for sale right now.
How's the market in North Dakota?
A seller's market.
Listings spent about 63 days on the market, and 17% had a price cut in October 2026.
Market figures: Realtor.com® Economic Research, October 2026. Free weekly email. Unsubscribe anytime.
Distressed properties in North Dakota
Pre-foreclosures, auctions, bank-owned and HUD homes from county notices, with the street area instead of the house number.
Representative photoWe are not tracking properties in North Dakota yet
Our property list covers a handful of counties so far. Leave your email for the free weekly brief, and we will note that you want property alerts for North Dakota.
The closest place we track is Utah, with 128 properties.
The North Dakota market in October 2026
Our score compares how many listings went under contract with how many were for sale, ranked against every US county. Low scores lean to buyers, high scores to sellers.
North Dakota market score
- Homes for sale
- 2,305
- US: 1,179,101
- Typical days on market
- 63
- US: 66
- Listings with a price cut
- 17%
- US: 21%
- Homes for sale vs pre-pandemic
- −40%
- US: −7%
- October 2026 vs the October average for 2017 to 2019.
Market score by county
Check any countyGray counties had too few listings to score. Tap a county for its full answer.
Most buyer-friendly counties
Lowest scores among counties with 50+ homes for sale.
Most seller-friendly counties
Highest scores among counties with 50+ homes for sale.
Source: Realtor.com® Economic Research, October 2026 county data. County days on market are medians. State and US figures weight each county by its homes for sale. Price-cut share is the share of listings with a price reduction.
How foreclosure works in North Dakota
North Dakota foreclosures go through court.
- Main steps and notices
- The lender sends a notice with 30 days to cure, 30 to 90 days before filing suit.
- The sale is published once a week for three weeks, the last at least 10 days before.
- No deficiency judgment is allowed on an owner-occupied homestead of up to four units.
- Catching up before the sale
- The notice gives 30 days to pay the amount due.
- After the sale
- The borrower generally can redeem for 60 days after the sale. Abandoned property has no redemption period.
- Before any of this starts
- Under federal rules, a mortgage servicer generally can't make the first notice or filing for foreclosure until the borrower is more than 120 days behind.
- Governing law
- North Dakota Century Code § 28-23-04; § 32-19-01 et seq.
Sources
- Justia, Foreclosure laws and procedures: 50-state survey (last reviewed November 2022)
- Nolo, Foreclosure redemption period rights (state chart)
- Consumer Financial Protection Bureau, How to avoid foreclosure
General information, not legal advice.
Laws change and each case differs. Anyone facing foreclosure should talk with a local attorney or a HUD-approved housing counselor.
Go deeper
- Check any county's marketPick a county in North Dakota and see whether it leans to buyers or sellers.
- Read the buying guidesHow to buy pre-foreclosures, auction homes, bank-owned homes, HUD homes and short sales.
- Help if you're behind on your mortgageWhere you are in the process, your options, free counselors and scam warnings.
North Dakota questions
Is foreclosure in North Dakota judicial or non-judicial?
North Dakota foreclosures go through court.
Can a homeowner get the home back after a foreclosure sale in North Dakota?
The borrower generally can redeem for 60 days after the sale. Abandoned property has no redemption period.
Can a borrower in North Dakota catch up on the loan before the sale?
The notice gives 30 days to pay the amount due.
Is North Dakota a buyer's or seller's market right now?
A seller's market. North Dakota scores 66 out of 100 on our market scale, where low scores lean to buyers. Listings spent about 63 days on the market, and 17% had a price cut in October 2026. Source: Realtor.com® Economic Research.
How far behind does a borrower have to be before foreclosure starts?
Under federal rules, a mortgage servicer generally can't make the first notice or filing for foreclosure until the borrower is more than 120 days behind. Source: Consumer Financial Protection Bureau.