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.
Loan Parameters
$
$
Percentage
20.0 %
Loan Term
Advanced Options
$
Monthly Payment (PITI)
$1,735
- Principal & Interest
- $1,264
- Property Taxes
- $204
- Home Insurance
- $183
- PMI
- $83
Total Interest
$255,089
Total Cost
$594,589
Payoff Year
2056
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.
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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.