Calculate Your North Dakota Mortgage Payment
Our calculator is pre-filled with North Dakota's median home price and property tax rate. Adjust the numbers to match your situation.
Open Calculator with ND DefaultsMonthly Payment Breakdown for North Dakota
Here's what your monthly payment looks like on the median North Dakota home ($275,000) with 20% down at 6.5%:
Note: This estimate assumes 20% down payment ($55,000), no PMI. With less than 20% down, add $92-$183/month for PMI.
North Dakota Property Taxes
North Dakota's effective property tax rate is 0.94%, which is above the national average of 0.89%.
Annual Property Tax on $275,000 Home
$2,585
($215/month escrowed)
Buying a Home in North Dakota: Key Facts
- Property tax rate of 0.94% is near national average
- Affordable median home price of $275,000
- Energy industry drives economy in western North Dakota
- NDHFA grant assistance requires no repayment
Mortgage Calculators for Nearby States
Comparing homes across state lines? Check property taxes and home prices in neighboring states:
North Dakota First-Time Homebuyer Programs
North Dakota has 20 homebuyer assistance programs that can help with down payment and closing costs.
NDHFA FirstHome Program
Below-market rates for first-time buyers
Low-Interest MortgageNDHFA DCA Grant
Up to 3% of loan as down payment grant
GrantStart Program
Special rates for buyers under 100% AMI
Low-Interest MortgageEligibility requirements typically include income limits, credit score minimums (usually 620+), and homebuyer education courses. Visit DownPaymentResource.com to search for programs you may qualify for.
Major Cities in North Dakota
Home prices and property taxes can vary significantly by city. The median home price of $275,000 is a statewide average.
North Dakota Mortgage FAQ
What is the property tax rate in North Dakota?
The average effective property tax rate in North Dakota is 0.94%. On a $275,000 home, that's approximately $2,585 per year or $215 per month added to your mortgage payment.
What is the median home price in North Dakota?
The median home price in North Dakota is $275,000 as of January 2026. Prices vary by location - Fargo and Bismarck typically have higher prices than rural areas.
Are there first-time homebuyer programs in North Dakota?
Yes, North Dakota has 20 homebuyer assistance programs. Popular options include NDHFA FirstHome Program, which offers below-market rates for first-time buyers.
How much do I need to buy a house in North Dakota?
For the median North Dakota home ($275,000), you'd need $55,000 for a 20% down payment, plus $8,250-$13,750 for closing costs. With down payment assistance, you could potentially buy with as little as $9,625 (3.5% FHA down payment).
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Calculate Your ND Mortgage Payment