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Estimate your monthly mortgage payment in North Dakota, including principal & interest, property taxes (0.98% effective rate), and homeowners insurance. Based on 2025 rates and North Dakota median home prices.
Enter your exact home price, down payment, and rate to see a precise monthly breakdown.
Open Mortgage Calculator →Median Home Price
$270k
2024 estimate
Property Tax Rate
0.98%
Effective rate/yr
Est. Monthly Tax
$221
On median home
Total PITI/Month
$1,769
20% down, 30yr
Based on median home price of $270,000, 20% down ($54,000), loan amount $216,000, 6.84% 30-year fixed.
Principal & Interest
6.84% rate, 30yr
$1,414
North Dakota Property Tax
0.98%/yr = $2,646/yr
$221
Homeowners Insurance
Est. 0.6%/yr of home value
$135
Total Monthly PITI
Principal, Interest, Tax, Insurance
$1,769
* Does not include HOA fees, PMI (if applicable), or utilities.
All examples assume 20% down payment. Property tax rate: 0.98%.
| Home Price | Loan Amount | 30yr P&I | 15yr P&I | Total PITI (30yr) |
|---|---|---|---|---|
| $150,000 | $120,000 | $786 | $1,019 | $983 |
| $200,000 | $160,000 | $1,047 | $1,359 | $1,311 |
| $250,000 | $200,000 | $1,309 | $1,699 | $1,638 |
| $300,000 | $240,000 | $1,571 | $2,038 | $1,966 |
| $350,000 | $280,000 | $1,833 | $2,378 | $2,294 |
| $400,000 | $320,000 | $2,095 | $2,718 | $2,621 |
| $450,000 | $360,000 | $2,357 | $3,057 | $2,949 |
| $500,000 | $400,000 | $2,618 | $3,397 | $3,277 |
| $600,000 | $480,000 | $3,142 | $4,076 | $3,932 |
| $750,000 | $600,000 | $3,928 | $5,096 | $4,915 |
* 30yr at 6.84%, 15yr at 6.1%. PITI = P&I + property tax + insurance.
Most lenders require housing costs to stay below 28–31% of gross monthly income.
| Home Price | Monthly PITI | Min. Annual Income (28%) | Min. Annual Income (25%) |
|---|---|---|---|
| $150,000 | $983/mo | $42,129 | $47,184 |
| $250,000 | $1,638/mo | $70,215 | $78,641 |
| $270,000Median | $1,769/mo | $75,832 | $84,932 |
| $500,000 | $3,277/mo | $140,430 | $157,282 |
| $750,000 | $4,915/mo | $210,645 | $235,922 |
Based on North Dakota's 2024 median home price of $270,000 (20% down, 30-year fixed at 6.84%), the estimated monthly PITI payment is $1,769. This includes principal & interest ($1,414), property tax ($221/month), and homeowners insurance ($135/month).
North Dakota's effective property tax rate is approximately 0.98% of assessed home value per year. On a $270,000 home, that equals about $221/month or $2,646/year in property taxes.
To afford the median North Dakota home ($270,000) with a 20% down payment, you typically need annual gross income of approximately $75,832 to $84,932 — keeping housing costs at 25–28% of gross income. This is a common lender guideline. With a larger down payment or lower mortgage rate, the required income decreases.
In North Dakota, you can buy a home with as little as 3% down (conventional loan) or 3.5% down (FHA loan). However, putting down less than 20% typically requires private mortgage insurance (PMI), adding $50–$200+/month to your payment. On a $270,000 home: 3% down = $8,100, 10% down = $27,000, 20% down = $54,000.
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