North Dakota Mortgage Calculator
Estimate your monthly payment in North Dakota — including property tax (0.98% effective rate), home insurance, and PMI. Pre-filled with North Dakota averages for 2026.
= $50,000 down
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Mortgage costs in North Dakota
The average North Dakota homeowner pays roughly $204/month in property tax on a median-priced home, plus about $158/month in home insurance. Property tax is billed by your county — actual rates vary from the state average, so check your county assessor's site for exact figures.
How much house can I afford in North Dakota?
A common rule is to keep total housing costs (PITI) under 28% of gross monthly income. At current rates, buying the median North Dakota home ($250,000) with 20% down requires roughly $71,130 in annual income.