North Dakota (ND) · Midwest Real Estate Profile
North Dakota Mortgage Payment & Property Tax Guide
Calculate your exact monthly housing expense in North Dakota. In North Dakota, the effective statewide property tax rate averages 0.98% and homeowners insurance averages 0.58% of home market value. Explore 25 pre-calculated loan scenarios below.
Effective Property Tax0.98%
Homeowners Insurance0.58%
Median Home Price$260,000
Conforming Loan Limit$766,550
Property Tax Context for North Dakota: At 0.98%, a median-priced home of $260,000 pays roughly $2,548 per year in property taxes ($212/month). Millage rates vary across counties and municipalities.
Companion Tax Engine
View North Dakota Tax Tables →Check Take-Home Pay Across All 50 States on AfterTaxMath
See exact net salary, state income tax withholding, and FICA deductions for North Dakota residents.
Monthly Payment Benchmarks in North Dakota (30-Year Fixed at 6.50%%)
Estimated monthly PITI payments assuming 20% down payment and standard 28% DTI underwriting:
| Loan Amount | Est. Home Value | 30-Yr P&I | ND Property Tax | Total PITI/mo | Required Salary | Details |
|---|---|---|---|---|---|---|
| $150,000 | $187,500 | $948/mo | $153/mo | $1,192/mo | $51,000/yr | View schedule → |
| $250,000 | $312,500 | $1,580/mo | $255/mo | $1,986/mo | $85,000/yr | View schedule → |
| $350,000 | $437,500 | $2,212/mo | $357/mo | $2,781/mo | $119,000/yr | View schedule → |
| $450,000 | $562,500 | $2,844/mo | $459/mo | $3,576/mo | $153,000/yr | View schedule → |
| $550,000 | $687,500 | $3,476/mo | $561/mo | $4,370/mo | $187,000/yr | View schedule → |
| $750,000 | $937,500 | $4,741/mo | $766/mo | $5,959/mo | $255,000/yr | View schedule → |
| $1,000,000 | $1,250,000 | $6,321/mo | $1,021/mo | $7,946/mo | $341,000/yr | View schedule → |
Browse all 25 loan amounts in North Dakota
Select any loan principal to view detailed amortization, rate sensitivity, and DTI requirements:
$100k in ND$795/mo$150k in ND$1,192/mo$200k in ND$1,589/mo$250k in ND$1,986/mo$300k in ND$2,384/mo$350k in ND$2,781/mo$400k in ND$3,178/mo$450k in ND$3,576/mo$500k in ND$3,973/mo$550k in ND$4,370/mo$600k in ND$4,767/mo$650k in ND$5,165/mo$700k in ND$5,562/mo$750k in ND$5,959/mo$800k in ND$6,357/mo$850k in ND$6,754/mo$900k in ND$7,151/mo$950k in ND$7,548/mo$1 million in ND$7,946/mo$1.1 million in ND$8,740/mo$1.2 million in ND$9,535/mo$1.3 million in ND$10,329/mo$1.4 million in ND$11,124/mo$1.5 million in ND$11,919/mo$2 million in ND$15,891/mo
Explore neighboring Midwest states
Compare mortgage payment benchmarks and property taxes across neighboring Midwest jurisdictions:
Illinois (2.08% tax)View guide →Indiana (0.81% tax)View guide →Iowa (1.50% tax)View guide →Kansas (1.34% tax)View guide →Michigan (1.38% tax)View guide →Minnesota (1.08% tax)View guide →
Closing Costs & Transfer Tax in North Dakota
North Dakota has no state real estate transfer tax; deed recordings pay standard county clerk fees.