North Dakota Mortgage Calculator
Estimate the monthly PITI payment on a North Dakota home. Preseeded with the state’s 0.98% effective property-tax rate, $2,200 average annual insurance, and $250,000 median home price.
Advanced Options
- Principal & Interest
- $1,264
- Property Taxes
- $204
- Home Insurance
- $183
North Dakota Property Tax, Insurance & Home Prices
- Effective property-tax rate
- 0.98%
- Avg annual insurance
- $2,200
- Median home price
- $250,000
Statewide averages, last reviewed May 2026. Actual rates and premiums vary significantly by county, city, and parcel — see the notes below.
Notable North Dakota Rules
North Dakota offers a primary-residence credit (~$500 in 2024–25, recently increased) applied directly to property-tax bills. Seniors 65+ with income limits may qualify for a Homestead Tax Credit reducing taxable value.
Mortgage Calculators for Other States
Related Calculators
Current average 30-year and 15-year fixed mortgage rates from Freddie Mac's Primary Mortgage Market Survey (via FRED), updated weekly.
Compare monthly payments across auto and personal loan terms.
Visualize long-term wealth growth with monthly contributions.
Frequently Asked Questions
- North Dakota's statewide effective property-tax rate is approximately 0.98% of home value (last reviewed May 2026). Actual county- and city-level rates vary; check your specific parcel before budgeting.