McHenry County in North Central — urban density and development pressure lower the buildability score, but opportunities exist in outlying areas.
📊48/100AcreScore
💰$3KLand $/acre
🏠$105KHome Value
👥5,745Population
📈+-3.5%Growth (10yr)
🌊15%Flood RiskModerate
🌡️North central, Towner areaClimateZone 3b
🏗️ Can You Build Here?
North Dakota has no state building code — regulations are county-level. McHenry County has no formal zoning ordinance, meaning most rural land can be used for residential construction including barndominiums without special permits beyond standard building codes.
Zone
Min Lot
Barndo OK?
Unzoned
None
✅ Yes
McHenry County has no formal zoning ordinance. Standard building permits still required. Contact the county building department for specifics.
📋 What Permits Do You Need?
Most states allow owner-builders to act as their own general contractor for personal residences. Check North Dakota requirements — licensed subs are typically needed for electrical, plumbing, and HVAC.
Required Permits
• Building permit (residential)
• Septic permit (if no public sewer)
• Electrical permit
• Plumbing permit
Permit Office
McHenry County Building Department
Towner, ND
Contact county clerk for current hours and requirements
🌊 What's the Flood & Soil Risk?
Moderate flood risk. 15% of county land is in FEMA flood zones. Most buildable parcels are outside hazard areas, but always verify your specific site.
15%
In Flood Zone
Good
Soil Drainage
Good
Septic Viability
Source: FEMA National Flood Hazard Layer, USDA Web Soil Survey
💰 What Does It Cost?
Extremely affordable. Median land prices around $3,000 per acre make McHenry County one of the most budget-friendly options in North Dakota.
$3K
Median $/acre
$105K
Median Home Value
$120–200
Build Cost $/sqft
1%
Property Tax Rate
Source: U.S. Census Bureau ACS 2024, McHenry County Assessor
🏔️ Why People Love Living Here
McHenry County sits in the heart of North Central. Minot is 45 min away. North Dakota has a state income tax — factor that into your cost-of-living calculations.
🏗️
Affordable Land
Median land at $3,000/acre means you can buy more, build bigger, and still stay under budget.
🔨
Build Freedom
No formal zoning means you can build your barndominium, shop, or homestead without jumping through bureaucratic hoops.
At a Glance
Population5,745
10-Year Growth-3.5%
County SeatTowner
State Income TaxYes
ClimateNorth central, Towner area (Zone 3b)
How Close Is Everything?
Minot45 min
Minot International50 min
Austinvaries
💧 Utilities & Infrastructure
Most rural McHenry County land uses well water and septic systems. Municipal utilities are available near Towner. Check with local utility providers for your specific parcel.
Electric ProviderLocal Co-op / TXU
WaterWell or Municipal
SewerSeptic (most rural)
InternetVaries by location
Cell CoverageVariable
Natural GasPropane common in rural areas
🏦 Financing & Incentives
McHenry County qualifies for USDA Rural Development loans — zero-down-payment financing for eligible buyers in most areas.
New listings, zoning changes, and builder availability — delivered to your inbox.
❓ Frequently Asked Questions
Can I build a barndominium in McHenry County?
Yes. McHenry County has no formal zoning ordinance. You'll still need standard building permits, but barndominiums are generally permitted on rural land. Check with the county building department for specific requirements.
How much does land cost in McHenry County?
Median price is approximately $3,000 per acre, though prices vary by location, road access, and improvements. USDA Rural Development loans may be available for eligible buyers.
Is McHenry County eligible for USDA Rural Development loans?
Yes — most of McHenry County qualifies for USDA Rural Development programs, including zero-down-payment home loans for eligible buyers.
What is the property tax rate in McHenry County?
The effective property tax rate is approximately 1%. Check with the county assessor for the most current rates and any available homestead exemptions.
Do I need a licensed contractor to build in McHenry County?
Most states allow owner-builders to act as their own general contractor for personal residences, though requirements vary by state and county. In North Dakota, check local building codes for specific licensing requirements. You'll typically need licensed professionals for electrical, plumbing, and HVAC work.