Calculate your monthly mortgage payment in North Dakota. Pre-filled with North Dakota's median home price of $250,000 and an average property tax rate of 0.99%.
Est. Monthly Payment
$1,784
Principal & Interest
$1,474
Property Tax / mo
$206
Total Interest Paid
$305,760
| Home Price | $250,000 | Median home price in North Dakota (2025) |
| Down Payment | 10% ($25,000) | Typical down payment percentage |
| Loan Amount | $225,000 | Home price minus down payment |
| Interest Rate | 6.85% | Approximate 30-year fixed rate (2025 avg) |
| Loan Term | 30 years | Most common mortgage term |
| Property Tax | 0.99% / year | North Dakota average effective rate |
| Home Insurance | 0.5% / year | Approximate annual premium |
NDHFA FirstHome, Start Program
Cost of living: Low · Population: 779,094
North Dakota has a median home price of approximately $250,000, placing it below the national median. With a 10% down payment of $25,000, a typical buyer would finance $225,000 over 30 years. At a 6.85% fixed rate, the monthly principal and interest payment comes to $1,474.
Property taxes in North Dakota average 0.99% of the assessed home value annually — one of the moderate rates in the country. Combined with an estimated $104 for homeowners insurance, your all-in monthly housing cost is approximately $1,784.
Using the 28% housing cost guideline, you would need a gross annual income of approximately $76,471 to qualify comfortably. The median household income in North Dakota is $65,315.
