Safe Rate Local
Learn about the people, housing, costs and businesses across North Dakota
Real local data across mortgage, insurance, natural hazard, and place.
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in North Dakota.
True all-in cost — P&I, taxes, insurance & utilities for homes in North Dakota.
Find and compare lenders active near North Dakota.
FEMA flood zones and flood insurance estimates for North Dakota.
Seismic risk and earthquake insurance estimates for North Dakota.
Wildfire exposure and insurance estimates for North Dakota.
As of today, the 30-year fixed mortgage rate for North Dakota is approximately 6.914% (6.950% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for North DakotaThe median home value in North Dakota is $260k. The median monthly rent is $983. Annual property taxes average $3k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in North Dakota have increased 10.5% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,049/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $45k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in North Dakota is $81k/year.
Calculate your buying powerThe largest employment sectors in North Dakota are public administration (26%) and agriculture and mining (8%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.