Buying a home in North Dakota
Property taxes, transfer taxes, home values and first-time buyer help in North Dakota.
For home buyers in North Dakota: the taxes and typical costs of buying, with official sources.
At North Dakota's effective rate of 0.99%, a typical $290,657 home would owe about $2,878/year ($240/month) in property taxes. Actual bills depend on your county, city and exemptions. Run your numbers.
North Dakota Housing Finance Agency
Your state housing finance agency offers down payment assistance and low-rate mortgages for eligible buyers. Visit North Dakota Housing Finance Agency →
Next steps
Sources: U.S. Census Bureau ACS 2020–2024 5-year (B25103, B25077); Zillow Home Value Index; TallyClose closing-cost dataset (CC BY 4.0), which cites each state statute; NCSHA HFA directory. Last updated 2026-11-01.
Common questions
What is the property tax rate in North Dakota?
The effective property tax rate in North Dakota is 0.99%: the median tax of $2,468 divided by the median home value of $249,900 (U.S. Census Bureau ACS 2020–2024).
What is a typical home value in North Dakota?
$290,657 in September 2026, according to the Zillow Home Value Index.
Does North Dakota have a real estate transfer tax?
No. North Dakota has no state real estate transfer tax, although recording fees apply and some local governments may add their own taxes.
Who offers first-time homebuyer help in North Dakota?
North Dakota Housing Finance Agency, the state housing finance agency, offers down payment assistance and lower-rate loans for eligible buyers.
Updated . Official sources: U.S. Census Bureau ACS, Zillow Research ZHVI.
Mortgage rates, home prices and saving tips, every week.
One short email with this week's rate move, local price trends and a plan to grow your down payment. Unsubscribe anytime.