North Dakota Mortgage Calculator
Calculate your monthly payment in North Dakota, with property tax included using the state's effective rate of 0.99%. See your full amortization schedule and analyze your loan structure.
Pick a state to use its property tax rate. With a keyboard, use the arrow keys and press Enter.
Estimated Monthly Payment
Estimates only. Does not include homeowners insurance, mortgage insurance (PMI), or HOA fees. Property tax uses the state's average effective rate and your actual bill may differ.
Yearly Amortization Schedule
| Year | Principal Paid | Interest Paid | Remaining Balance |
|---|---|---|---|
| 1 | $3,577 | $20,695 | $316,423 |
| 2 | $3,816 | $20,455 | $312,607 |
| 3 | $4,072 | $20,200 | $308,535 |
| 4 | $4,345 | $19,927 | $304,191 |
| 5 | $4,636 | $19,636 | $299,555 |
| 6 | $4,946 | $19,325 | $294,609 |
| 7 | $5,277 | $18,994 | $289,332 |
| 8 | $5,631 | $18,641 | $283,701 |
| 9 | $6,008 | $18,264 | $277,694 |
| 10 | $6,410 | $17,861 | $271,284 |
| 11 | $6,839 | $17,432 | $264,444 |
| 12 | $7,297 | $16,974 | $257,147 |
| 13 | $7,786 | $16,485 | $249,361 |
| 14 | $8,308 | $15,964 | $241,053 |
| 15 | $8,864 | $15,407 | $232,189 |
| 16 | $9,458 | $14,814 | $222,732 |
| 17 | $10,091 | $14,180 | $212,641 |
| 18 | $10,767 | $13,505 | $201,874 |
| 19 | $11,488 | $12,784 | $190,386 |
| 20 | $12,257 | $12,014 | $178,129 |
| 21 | $13,078 | $11,193 | $165,051 |
| 22 | $13,954 | $10,317 | $151,097 |
| 23 | $14,888 | $9,383 | $136,208 |
| 24 | $15,886 | $8,386 | $120,323 |
| 25 | $16,949 | $7,322 | $103,373 |
| 26 | $18,085 | $6,187 | $85,289 |
| 27 | $19,296 | $4,976 | $65,993 |
| 28 | $20,588 | $3,683 | $45,405 |
| 29 | $21,967 | $2,305 | $23,438 |
| 30 | $23,438 | $833 | $0 |
Property tax in North Dakota: the numbers
North Dakota's effective property tax rate of 0.99% is close to the 0.92% national average (8% above). The state ranks 21st out of 50 when states are ordered from highest rate to lowest.
A median-valued home in North Dakota is worth $249,900 and carries a median property tax of $2,468 per year, or roughly $206 per month. By median home value the state ranks 35th out of 50 (1 = highest), and by median annual property tax it ranks 30th.
| Effective property tax rate | 0.99% |
|---|---|
| Median home value | $249,900 |
| Median annual property tax | $2,468 |
| Rank by rate (1 = highest of 50) | 21 |
| Difference vs 0.92% national average | 0.07 points above (8% above) |
What this means for your monthly payment
Two worked examples for North Dakota, using the figures above:
Example 1: the median home
$2,468 per year ÷ 12 = about $206 per month in property tax (median home value: $249,900).
Example 2: a $300,000 home
$300,000 × 0.99% ÷ 12 = about $248 per month, or $2,970 per year.
At the 0.92% national average rate, a $300,000 home would have about $2,760 in property tax per year. In North Dakota it is about $2,970, which is $210 more per year (about $18 more per month).
Compare with similar states
States ranked just above and just below North Dakota by effective property tax rate (1 = highest). States with the same rate are ordered by median annual tax.
Ranked just above (higher rate)
- Alaska — 1.11% (rank 16)
- Massachusetts — 1.07% (rank 17)
- South Dakota — 1.06% (rank 18)
- Minnesota — 1.02% (rank 19)
- Maine — 1.02% (rank 19)
Ranked just below (lower rate)
- Maryland — 0.97% (rank 22)
- Missouri — 0.85% (rank 23)
- Washington — 0.81% (rank 24)
- Oregon — 0.81% (rank 24)
- Oklahoma — 0.80% (rank 26)
North Dakota property tax FAQ
What is the property tax rate in North Dakota?
The effective property tax rate in North Dakota is 0.99%. That is 8% above the 0.92% national average, and the state ranks 21st out of 50 when states are ordered from highest rate to lowest.
How much is property tax on a $300,000 home in North Dakota?
At North Dakota's effective rate of 0.99%, property tax on a $300,000 home works out to about $2,970 per year, or about $248 per month. At the 0.92% national average, the same home would be about $2,760 per year, so North Dakota is about $210 more per year.
How much is property tax on the median home in North Dakota?
The median home value in North Dakota is $249,900, and the median annual property tax is $2,468, which is about $206 per month.
Does the property tax rate vary inside North Dakota?
Yes. Property taxes are set locally, so actual bills depend on your county, city, and exemptions. The 0.99% figure is a state-level estimate based on medians, not a rate that applies to every home.
Figures are estimates based on Census data and are not tax or financial advice. Actual bills depend on your local rates, assessed value and exemptions.
Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, as compiled by PropertyShark and PropertyTaxByState.