Local costs · North Dakota

What a home costs across North Dakota

Property-tax rates, insurance, and closing costs vary widely by county. Below are the state-wide rules that apply everywhere in North Dakota, then every county with its own tax rate and insurance range.

Statewide facts

Home insurance average
About $1,325 per year for a standard HO-3 policy (NAIC 2022 state average). Individual counties run above or below this based on local hazard risk — see the table below.
Transfer & recording tax
North Dakota charges no state transfer or recording tax on a home purchase.
Title insurance
North Dakota uses competitive (filed) rates. Rates are competitive rather than state-set, so we model title and settlement from a national declining-rate curve calibrated to published costs.
State income tax
North Dakota income tax is modeled at about 0.00% effective for a married household at $100,000 (0.69% filing single). These are modeled effective rates from Tax Foundation 2026 brackets.

All 53 counties in North Dakota

Effective property-tax rate (Census ACS) and a typical annual insurance range at the state median home value. Select a county for the full breakdown.

CountyProperty taxInsurance / yr
Adams County1.00%$1,130–$2,520typical $1,740
Barnes County1.03%$880–$1,960typical $1,350
Benson County0.91%$1,110–$2,480typical $1,710
Billings County0.37%$1,020–$2,280typical $1,570
Bottineau County0.72%$640–$1,440typical $990
Bowman County0.73%$720–$1,600typical $1,100
Burke County0.53%$640–$1,440typical $990
Burleigh County0.88%$1,290–$2,890typical $1,990
Cass County1.20%$890–$1,990typical $1,370
Cavalier County1.34%$640–$1,440typical $990
Dickey County0.92%$870–$1,940typical $1,340
Divide County0.60%$640–$1,440typical $990
Dunn County0.60%$1,200–$2,670typical $1,840
Eddy County1.00%$920–$2,040typical $1,410
Emmons County0.91%$1,180–$2,620typical $1,810
Foster County1.19%$1,350–$3,000typical $2,070
Golden Valley County0.89%$760–$1,700typical $1,170
Grand Forks County1.15%$720–$1,600typical $1,100
Grant County0.91%$1,030–$2,290typical $1,580
Griggs County0.91%$1,440–$3,200typical $2,210
Hettinger County1.11%$740–$1,650typical $1,140
Kidder County0.58%$1,200–$2,670typical $1,840
LaMoure County1.01%$890–$1,990typical $1,370
Logan County1.00%$990–$2,200typical $1,520
McHenry County0.66%$780–$1,740typical $1,200
McIntosh County1.08%$1,010–$2,260typical $1,560
McKenzie County0.43%$810–$1,800typical $1,240
McLean County0.76%$790–$1,770typical $1,220
Mercer County1.10%$860–$1,930typical $1,330
Morton County1.02%$1,150–$2,570typical $1,770
Mountrail County0.52%$790–$1,770typical $1,220
Nelson County0.75%$1,090–$2,440typical $1,680
Oliver County0.62%$1,000–$2,230typical $1,540
Pembina County1.01%$650–$1,450typical $1,000
Pierce County1.09%$700–$1,550typical $1,070
Ramsey County0.99%$890–$1,990typical $1,370
Ransom County1.01%$880–$1,970typical $1,360
Renville County0.68%$640–$1,440typical $990
Richland County1.13%$750–$1,670typical $1,150
Rolette County0.94%$980–$2,190typical $1,510
Sargent County1.12%$770–$1,730typical $1,190
Sheridan County0.70%$900–$2,020typical $1,390
Sioux County0.49%$1,150–$2,570typical $1,770
Slope County0.23%$900–$2,000typical $1,380
Stark County0.89%$750–$1,680typical $1,160
Steele County1.01%$1,010–$2,260typical $1,560
Stutsman County1.10%$940–$2,090typical $1,440
Towner County0.88%$650–$1,450typical $1,000
Traill County1.03%$800–$1,780typical $1,230
Walsh County1.07%$770–$1,710typical $1,180
Ward County1.07%$680–$1,510typical $1,040
Wells County0.98%$850–$1,900typical $1,310
Williams County0.68%$640–$1,440typical $990

* Property-tax rate is approximate because the county’s Census median is top-coded.

How these numbers are built

Every figure comes from public data or our own math: Census ACS property taxes, NAIC insurance averages scaled by FEMA risk, and researched transfer-tax and title schedules.

Estimates, not advice. See the methodology for sources, vintages, and the honest gaps.