How much house can I afford in North Dakota?

All-in cost first, always. Estimate only — not a loan quote or pre-approval.

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North Dakota at a glance

Median home price
$313,885
Typical closing costs
2%–5% of price
Transfer tax
None
Closing custom
attorney
Homestead exemption
North Dakota does not have a single broad ad-valorem homestead exemption. It offers several separate property tax relief programs for owner-occupied residences: a Primary Residence Credit for owner-occupants generally, a Homestead Property Tax Credit targeted at qualifying elderly (65+) or permanently/totally disabled homeowners with limited income, and a Disabled Veteran's Property Tax Credit for veterans with a service-connected disability rating of 50% or greater (credit applied against the first $120,000 of true and full valuation, scaled to disability percentage). Specific current dollar credit amounts for the Primary Residence Credit and Homestead Property Tax Credit could not be confirmed on a live tax.nd.gov page during this research pass; homeowners should confirm current amounts directly with the ND Office of State Tax Commissioner or their county assessor. Most require annual application by February 1.

First-time buyer / down payment assistance programs

  • ND Housing FirstHome

    North Dakota Housing Finance Agency's primary below-market-rate first mortgage for first-time homebuyers statewide (first-time requirement waived for buyers using HomeAccess or in certain other exception categories); subject to income and purchase-price limits that vary by county and household size, and commonly paired with DCA or Start down payment assistance.

  • ND Housing DCA / Start Down Payment Assistance

    Down payment and closing cost assistance equal to 3% of the first mortgage loan amount, provided as a credit; DCA requires income qualification and a homebuyer education certificate, Start cannot be combined with other NDHFA down payment programs. Must be paired with a NDHFA first mortgage (FirstHome, HomeAccess, or North Dakota Roots).

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Mortgage payment calculator

Estimated all-in monthly payment for a home price you have in mind.

First-time buyer programs

Check which down payment assistance programs you likely qualify for.

Take-home pay calculator

What actually reaches your account after federal tax, FICA, and your state's own brackets — with local income tax disclosed rather than guessed at.

Related reading

Closing Costs in North Dakota: What You'll Actually Pay

9 min read

North Dakota charges no transfer tax and no mortgage tax — recording a deed can cost $20. Here's what closing on a $313,885 North Dakota home really runs.

What Is PMI, and How Do You Get Rid of It?

15 min read

Private mortgage insurance explained in plain English — what it costs, why it exists, the exact federal rules for cancelling it, and how to work out the month your PMI is scheduled to end.

Guides & templates

Buying a Home With Someone Else

$4.99

The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.

The First-Time Buyer's Playbook: 12 Months to Closing Day

$4.99

A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.