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North Dakota Mortgage Calculator

Work out your monthly mortgage payment in North Dakota, with property tax, homeowners insurance, PMI and HOA fees.

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20.0% of the price

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More options· Taxes, insurance, PMI, HOA, extra payments
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Per year, % of price

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Per year

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Per month

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Per year, under 20% down

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Monthly payment

$1,774.07

$212,880 loan · paid off in 30 years

Principal & interest
$1,450.77
Total interest
$309,401
What your monthly payment covers
  • Principal & interest$1,451
  • Property tax$213
  • Home insurance$110

What this means

Over 30 years you’d pay $309,401 in interest, on top of the $212,880 you borrow.

In the early years most of each payment is interest, so even a small extra payment each month cuts the total and the time it takes.

Next step

Principal and interest paid each year
$17,413$8,707$0
136912151821242730
PrincipalInterest
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North Dakota mortgage costs at a glance

The typical owner-occupied home in North Dakota is worth $266,100, and its owner pays $2,550 a year in property tax: 0.96% of its value, more than the 0.89% across the US. That's the 20th highest of the 50 states and DC.

With 20% down and a 30-year loan at 7.24%, the payment on that home is about $1,774 a month: $1,451 of principal and interest, $213 of property tax and $110 of insurance. Use the calculator above to see the exact amounts for the home you’re looking at.

Sources:

Notes for North Dakota

  • Property tax rates vary by county, city and school district, and many states lower the tax on a home you live in (a homestead exemption), so check the rate for the home you’re buying.
  • A standard homeowners policy (HO-3) in North Dakota averaged $1,325 a year in 2022, against $1,569 across the US (the NAIC’s latest figures). Premiums have risen since, so get a quote for the home: costs depend on its value, age and area, and flood and earthquake cover are extra.
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