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North Dakota Mortgage Calculator

Estimate your monthly mortgage payment in North Dakota, pre-loaded with the state's 0.98% average property tax rate and local insurance costs.

Median home price
$280,000
Avg property tax
0.98%
Avg insurance
$1,700/yr
$280,000
$56,000 (20%)

20%+ — no PMI

6.75%
Loan term
Taxes, insurance & fees
%
$
%
$

Estimated monthly payment

$1,823

on a $224,000 loan

Monthly$1,823
  • Principal & interest$1,453
  • Property tax$229
  • Home insurance$142
Loan amount
$224,000
Down payment
20%
Total interest
$299,030
Total of payments
$523,030

Buying a home in North Dakota

Housing costs in North Dakota are shaped by local property taxes, insurance, and home prices. With an average effective property tax rate of 0.98% and a median home price around $280,000, a typical buyer putting 20% down would finance roughly $224,000. Use the calculator above to model your own price, down payment, and rate — it already reflects North Dakota's tax and insurance averages so your estimate is closer to reality.

Remember that these figures are statewide averages. Your county and city can have meaningfully different tax rates, and insurance premiums depend on your specific home. For the most accurate estimate, enter a quote from a licensed North Dakota lender and your actual insurance and tax figures.

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North Dakota mortgage FAQs

What is the average property tax rate in North Dakota?

North Dakota has an average effective property tax rate of about 0.98% of a home's value per year. On the state's indicative median home price of $280,000, that works out to roughly $2,744 per year, usually collected monthly through escrow.

How much is a mortgage payment in North Dakota?

Your payment depends on the home price, down payment, interest rate, and term. We've pre-filled this calculator with North Dakota's median home price of $280,000 and local tax and insurance estimates — adjust the sliders to match your situation.

Does this calculator include North Dakota homeowners insurance?

Yes. We've defaulted to an indicative North Dakota average of about $1,700 per year. Insurance varies by location, home age, and coverage, so enter a real quote for the most accurate estimate.