North Dakota Mortgage Calculator
See your monthly payment on a North Dakota home, including property tax at the state average of 0.92%.
Monthly payment in North Dakota
With 20% down, a 30-year loan at 6.5% and North Dakota's effective property tax of 0.92%:
| Home price | Principal and interest | Property tax | Insurance (est.) | Total per month |
|---|---|---|---|---|
| $250,000 | $1,264 | $192 | $150 | $1,606 |
| $300,000 | $1,517 | $230 | $150 | $1,897 |
| $400,000 | $2,023 | $307 | $150 | $2,479 |
| $500,000 | $2,528 | $383 | $150 | $3,062 |
| $600,000 | $3,034 | $460 | $150 | $3,644 |
The 6.5% rate is an example. Current rates change weekly; see Freddie Mac for the latest average.
Property tax in North Dakota
The effective property tax rate in North Dakota is about 0.92% of a home's value each year. On a $400,000 home that is roughly $3,680 a year or $307 a month. Actual bills depend on county, school district and exemptions.
How North Dakota property tax compares
The average effective property tax rate across states is about 0.99%. North Dakota ranks number 30 of 51 from lowest to highest. States with the closest rates:
15-year or 30-year loan?
| Loan on $320,000 at 6.5% | Monthly principal and interest | Total interest |
|---|---|---|
| 30-year fixed | $2,023 | $408,142 |
| 15-year fixed | $2,788 | $181,758 |
A 15-year loan costs more each month but saves a large amount of interest. Property tax and insurance in North Dakota come on top of either payment.
Frequently asked questions
How much is a $400,000 mortgage payment in North Dakota?
With 20% down at 6.5% for 30 years the payment is about $2,479 a month including estimated tax and insurance.
Sources and method
Page last updated November 2026. See our editorial policy and disclaimer.