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North Dakota Mortgage Calculator

Estimate your true cost of homeownership in North Dakota with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$2,128
P&I Payment$1,601
Taxes & Ins$325
Utilities$202
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Mortgage Details

$303,511
Local Median: $303,511
$60,702 (20%)
%

Used with your down payment to fetch a live, scenario-specific rate.

Local Area Costs

Monthly$2,128

Monthly Breakdown

Principal & Interest
$1,601
Property Taxes
$224
Homeowners Ins.
$101
Utilities
$202

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$333,408

Local Housing Facts for North Dakota

  • ·Median home value: $303,511 (adjusted for current market conditions)
  • ·Est. property taxes: $2,692/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,213/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,427/yr — sourced from DOE LEAD survey data
  • ·Flood insurance: optional — toggled off by default, estimate based on FEMA risk profile

Frequently Asked Questions

How much are property taxes in North Dakota?

Based on the local median home value, estimated real estate property taxes in North Dakota are around $2,692 per year.

What is the average home price in North Dakota?

The median home value in North Dakota is currently estimated at $303,511.

How much does homeowners insurance cost in North Dakota?

For a median priced home, homeowners insurance in North Dakota averages around $1,213 annually.

What is the true total cost of owning a home in North Dakota?

True homeownership costs go beyond principal and interest. In North Dakota, a typical homeowner with a median-priced home of $303,511 can expect to pay roughly $2,692/yr in property taxes, $1,213/yr for homeowners insurance, and $2,427/yr in energy utilities. That adds approximately $528 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.