Buying a home in North Dakota

Property taxes, transfer taxes, home values and first-time buyer help in North Dakota.

Effective property tax rate

0.99%

Median tax $2,468 ÷ median value $249,900 (ACS 2020–2024)

Typical home value

$292,293

Zillow ZHVI, 2026-08

State transfer tax

0.0%

Usually paid by: none. N.D. Const. art. X, § 27 (transfer-tax ban); recording fee N.D. Cent. Code § 11-18-05. Official source. Local taxes may add more.

Estimated buyer closing costs Estimate

$2,600–$4,400

On a $292,293 home: typical lender fees + title insurance + deed recording (TallyClose) + the buyer’s share of transfer/recording taxes. Excludes prepaids, escrow and local taxes.

At North Dakota's effective rate of 0.99%, a typical $292,293 home would owe about $2,894/year ($241/month) in property taxes. Actual bills depend on your county, city and exemptions. Run your numbers.

First-time homebuyer programs

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 →

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 2026-10-15.