North Dakota Mortgage Calculator 2026
North Dakota has a property tax rate of 0.98% of assessed home value per year. On the median North Dakota home price of $265,000, that's roughly $2,600/year ($217/month) in property taxes — an important factor in your total PITI mortgage payment. Use this calculator to include North Dakota's property tax in your monthly housing cost estimate.
Property tax rate: 0.98%/yr
Median home: $265,000
Avg annual tax: $2,600
North Dakota Property Tax Full PITI No Registration
Home & Loan Details
30-yr avg 2026: ~6.8% · 15-yr avg: ~6.1%
US avg ~1.1% of home value/yr
US avg ~$1,200–$2,000/yr
Monthly Payment Breakdown
Total Monthly Payment
$2,586.16
Principal & Interest
$2,086.16
Total Interest
$431,018
Home Price$400,000
Loan Amount$320,000
Down Payment$80,000 (20.00%)
Principal & Interest$2,086.16/mo
Property Tax$400.00/mo
Home Insurance$100.00/mo
Total Monthly$2,586.16
Total Interest (life)$431,018
Amortization Schedule (first 24 months)
| Month | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $2,086.16 | $272.83 | $1,813.33 | $319,727 |
| 2 | $2,086.16 | $274.37 | $1,811.79 | $319,453 |
| 3 | $2,086.16 | $275.93 | $1,810.23 | $319,177 |
| 4 | $2,086.16 | $277.49 | $1,808.67 | $318,899 |
| 5 | $2,086.16 | $279.06 | $1,807.10 | $318,620 |
| 6 | $2,086.16 | $280.65 | $1,805.52 | $318,340 |
| 7 | $2,086.16 | $282.24 | $1,803.92 | $318,057 |
| 8 | $2,086.16 | $283.84 | $1,802.33 | $317,774 |
| 9 | $2,086.16 | $285.44 | $1,800.72 | $317,488 |
| 10 | $2,086.16 | $287.06 | $1,799.10 | $317,201 |
| 11 | $2,086.16 | $288.69 | $1,797.47 | $316,912 |
| 12 | $2,086.16 | $290.32 | $1,795.84 | $316,622 |
| 13 | $2,086.16 | $291.97 | $1,794.19 | $316,330 |
| 14 | $2,086.16 | $293.62 | $1,792.54 | $316,036 |
| 15 | $2,086.16 | $295.29 | $1,790.87 | $315,741 |
| 16 | $2,086.16 | $296.96 | $1,789.20 | $315,444 |
| 17 | $2,086.16 | $298.64 | $1,787.52 | $315,146 |
| 18 | $2,086.16 | $300.34 | $1,785.83 | $314,845 |
| 19 | $2,086.16 | $302.04 | $1,784.12 | $314,543 |
| 20 | $2,086.16 | $303.75 | $1,782.41 | $314,239 |
| 21 | $2,086.16 | $305.47 | $1,780.69 | $313,934 |
| 22 | $2,086.16 | $307.20 | $1,778.96 | $313,627 |
| 23 | $2,086.16 | $308.94 | $1,777.22 | $313,318 |
| 24 | $2,086.16 | $310.69 | $1,775.47 | $313,007 |
P&I uses standard amortization. Early payments are interest-heavy. Property tax, insurance, PMI, and HOA are estimates — actual amounts vary.
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