North Dakota

Current North Dakota Mortgage Rates

Compare North Dakota mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in North Dakota.

We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in North Dakota. Plus, shopping lenders is free and there is no obligation.

North Dakota Mortgage Rates as of February 6, 2023
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Data provided by Icanbuy. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more information on rates and product details.


Compare Today's North Dakota Mortgage Rates

February 6, 2023

Current mortgage rates in North Dakota are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)

Mortgage Program
North Dakota Rates
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Adjustable Rate Mortgage

How Affordable is Housing in North Dakota?

Below we offer valuable insights on the housing market and real estate prices in North Dakota. Understand how much you need to make to buy a house in North Dakota, including the mortgage you need. Review the monthy loan payment so you can determine if home ownership in North Dakota is affordable for you. We provide this helpful information to help you decide if living in North Dakota is right for you.

The median home value for North Dakota is $231,114

Based on current mortgage rates and a 10% down payment, the income required to buy the median priced home in North Dakota is $37,867

With this income, you could qualify for a $208,003 mortgage, assuming your monthly debt expense is reasonable

Based on this loan amount, the monthly mortgage payment required to buy the median priced home in North Dakota is $877

The median household income for North Dakota is $70,934

Based on this income, you can afford a home valued at approximately $432,933

The home price you can afford to buy based on household income in North Dakota is 187% of the median home value which means housing prices are affordable. North Dakota ranks 12 out of 50 states for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the real estate market in North Dakota is affordable


Additional Mortgage Resources for North Dakota Residents

Mortgage Rates for North Dakota Cities

Bismarck Mortgage Rates

Fargo Mortgage Rates

Grand Forks Mortgage Rates

Minot Mortgage Rates

Williston Mortgage Rates