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Compare Current Williston, North Dakota Mortgage Rates
Compare Williston, ND 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 Williston.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Williston. Plus, shopping lenders is free and there is no obligation.
Loan terms assume conforming mortgage amount on single family residence, 80% LTV ratio and minimum borrower credit score of 740. $150,000 minimum mortgage amount. Borrower is responsible for $1,055 lender fee. Loan terms are subject to change without notice.
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Compare Today's Williston, ND Mortgage Rates
July 15, 2025
Current mortgage rates in Williston, ND 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
Today's Williston, ND Rates
National Average
Comparison
30 Year Fixed Rate
%
6.670%
15 Year Fixed Rate
%
5.960%
5/1 Adjustable Rate Mortgage
%
6.250%
How Affordable is Housing in Williston, North Dakota?
Below we provide helpful information on the real estate market, home prices and housing affordability in Williston. Understand how much you need to earn to afford a home in Williston, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Williston fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Williston is right for you.
The median home value for Williston, ND (Williams County) is $261,400
Based on current mortgage rates and a 10% down payment, you need to make $54,532 per year to buy the median priced home in Williston
With this income, you could qualify for a $235,260 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 Williston is $1,263
The median household income for Williston, ND (Williams County) is $81,312
Based on this income, you can afford a home valued at approximately $389,769
The home price you can afford to buy based on household income in Williston is 149% of the median home value which means housing prices are average.
Williston (Williams County) ranks 44 out of 53 counties in North Dakota and 1,906 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Williston, ND is average
Loan Limits for Williston, North Dakota
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Williston (Williams County) below.
Conforming loan limits for Williston, ND
1 unit:$726,200
2 units:$929,850
3 units:$1,123,900
4 units:$1,396,800
FHA loan limits for Williston, ND
1 unit:$472,030
2 units:$604,400
3 units:$730,525
4 units:$907,900
VA loan limits for Williston, ND
1 unit:$726,200
Additional Mortgage Resources for Williston, ND Residents