Mortgage Rates in Bottineau, North Dakota — March 2026
Updated March 2026 | Based on Bottineau market data and regional lending conditions
Bottineau is a growing city in North Dakota with a population of 2,164. The current 30-year fixed mortgage rate in Bottineau is 6.86%, which is 0.21% above the national average. With a median home price of $169,000 and a 20% down payment of $33,800, homebuyers can expect a monthly principal and interest payment of approximately $887.
Current Mortgage Rates in Bottineau, ND
Below are the current average mortgage rates available in the Bottineau area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.86% | 6.65% | +0.21% |
| 15-Year Fixed | 6.08% | 5.89% | +0.19% |
| 5/1 ARM | 6.32% | 6.15% | +0.17% |
| FHA | 6.56% | 6.25% | +0.31% |
| VA | 6.31% | 6.05% | +0.26% |
| Jumbo | 7.11% | 6.85% | +0.26% |
Bottineau Housing Market Overview
The Bottineau housing market offers relatively affordable housing compared to many major cities. The median household income in Bottineau is $59,000, and the cost of living index is 89 (national average = 100). Based on the 28% affordability rule, the median income in Bottineau is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Bottineau
Based on the median home price of $169,000 with 20% down ($33,800), here is what you can expect to pay monthly in Bottineau:
15-Year vs. 30-Year Mortgage in Bottineau
Choosing a 15-year mortgage in Bottineau at 6.08% instead of a 30-year at 6.86% would save you $112,860 in total interest over the life of the loan. However, your monthly payment would be $1,147 instead of $887 — an increase of $260 per month.
Calculate Your Bottineau Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Bottineau
What are the current mortgage rates in Bottineau, ND?
As of March 2026, the average 30-year fixed mortgage rate in Bottineau, North Dakota is 6.86%, while the 15-year fixed rate is 6.08%. FHA loans average 6.56% and VA loans 6.31%. These rates are 0.21% above the national average of 6.65%.
How much is a monthly mortgage payment in Bottineau?
Based on the median home price of $169,000 with 20% down, the estimated monthly mortgage payment in Bottineau is $887 for principal and interest. Including property taxes of $130/month, the total monthly housing cost is approximately $1,017.
What income do I need to buy a home in Bottineau?
Using the 28% rule, you would need an annual income of approximately $43,586 to afford the median-priced home in Bottineau at $169,000. The median household income in Bottineau is $59,000. The median income is currently sufficient to meet this threshold.
Is Bottineau a good place to buy a home in 2026?
Bottineau offers a below-average cost of living with a cost of living index of 89 (national average = 100). The property tax rate in North Dakota is 0.92%, which is near the national average. Bottineau has a population of 2,164 and offers a very affordable lifestyle.
Mortgage Rates in Other North Dakota Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Bottineau, North Dakota area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.