St. Thomas: Housing & Real Estate
Housing in St. Thomas centers on a median value of $79,300 (estimated market value runs 17% higher at $92,825), with median rent $825 (1.3× higher than Pembina County median $658; 1.1× below North Dakota median $894). Homeownership rate: 84.8%. That's 1.4× below the Pembina County median ($112,700); 3.0× below the North Dakota median ($234,120). Market is warm. Vacancy rate 18.0%. A municipal building code is in effect.
- 1.1× annual income — home value vs. household income (vs North Dakota 3.1×).
- 8.0 years to break even renting at the median (vs North Dakota 22y).
- 4-BR rent is 1.9× a studio — rent gradient by unit size.
Home Values & Rent
Median home value $79,300 — 0.3× the North Dakota median ($234,120). Median rent $825/month. homeownership rate 84.8% — above the U.S. share of ~65%.
| Affordability · Price To Income Ratio | 1.1× |
|---|---|
| Affordability · Rent To Income Pct | 13.7% |
| Affordability · Affordable | Yes |
| Affordability · Interpretation | very affordable |
| Fair Market Rent · Studio rent | $760 |
| Fair Market Rent · One-bedroom rent | $791 |
| Fair Market Rent · Two-bedroom rent | $873 |
| Fair Market Rent · Three-bedroom rent | $1,214 |
| Fair Market Rent · Four-bedroom rent | $1,464 |
| Fair Market Rent · HUD FMR area | Pembina County, ND |
| Fair Market Rent · Fiscal year | FY2026 |
| Home Value Estimate | $92,825 |
| Median Home Value | $79,300 (vs North Dakota $234,120) |
| Median Rent | $825 (vs North Dakota $894) |
Sources: HUD FMR FY2026 · Census ACS 5-Year 2023, B25077 · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Tenure & Occupancy
Owner-occupied vs renter-occupied housing units, plus vacancy rates.
| Housing Market · Market temperature | warm |
|---|---|
| Housing Market · Vacancy rate | 18.0% |
| Housing Market · Price Appreciation 2Yr | 7.0% |
Utilities
Electricity, water, and broadband infrastructure serving residents. Broadband percentages reflect the share of premises that can subscribe to service at the listed speed (FCC Form 477).
Systems (1)
| Broadband · % of premises with 25/3 Mbps broadband | 100.0% |
|---|---|
| Broadband · % of premises with 100/20 Mbps broadband | 100.0% |
| Broadband · % of premises with 250/25 Mbps broadband | 100.0% |
| Broadband · % of premises with 1 Gbps / 100 Mbps broadband | 100.0% |
| Broadband · Broadband-capable premises | 229 |
| Electricity · Electricity rate (¢/kWh) | 11.51¢/kWh |
| Electricity · Customers | 397,839 |
| Electricity · Revenue Millions | $565 |
| Electricity · Year | 2024 |
| Mobile Broadband · 3G mobile coverage | 0% |
| Mobile Broadband · 4G mobile coverage | 100% |
| Mobile Broadband · 5G mobile coverage | 100% |
| Mobile Home Parks Detail · County total | 1 |
Sources: FCC BDC Jun 2025 · EIA Annual Retail Sales 2023 · FCC BDC Mobile 2024 · HIFLD / IRS BMF · Refreshed 2026-04-12
Other
| Homeownership Rate | 84.8% |
|---|---|
| Median Year Built | 1958 |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12