Mortgage Rates in Hettinger, North Dakota — March 2026
Updated March 2026 | Based on Hettinger market data and regional lending conditions
Hettinger is a growing city in North Dakota with a population of 1,226. The current 30-year fixed mortgage rate in Hettinger is 6.89%, which is 0.24% above the national average. With a median home price of $199,000 and a 20% down payment of $39,800, homebuyers can expect a monthly principal and interest payment of approximately $1,047.
Current Mortgage Rates in Hettinger, ND
Below are the current average mortgage rates available in the Hettinger 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 | 6.89% | 6.65% | +0.24% |
| 15-Year Fixed | 6.1% | 5.89% | +0.21% |
| 5/1 ARM | 6.33% | 6.15% | +0.18% |
| FHA | 6.57% | 6.25% | +0.32% |
| VA | 6.32% | 6.05% | +0.27% |
| Jumbo | 7.14% | 6.85% | +0.29% |
Hettinger Housing Market Overview
The Hettinger housing market offers relatively affordable housing compared to many major cities. The median household income in Hettinger is $66,000, and the cost of living index is 84.3 (national average = 100). Based on the 28% affordability rule, the median income in Hettinger is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Hettinger
Based on the median home price of $199,000 with 20% down ($39,800), here is what you can expect to pay monthly in Hettinger:
15-Year vs. 30-Year Mortgage in Hettinger
Choosing a 15-year mortgage in Hettinger at 6.1% instead of a 30-year at 6.89% would save you $133,560 in total interest over the life of the loan. However, your monthly payment would be $1,352 instead of $1,047 — an increase of $305 per month.
Calculate Your Hettinger 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 Hettinger
What are the current mortgage rates in Hettinger, ND?
As of March 2026, the average 30-year fixed mortgage rate in Hettinger, North Dakota is 6.89%, while the 15-year fixed rate is 6.1%. FHA loans average 6.57% and VA loans 6.32%. These rates are 0.24% above the national average of 6.65%.
How much is a monthly mortgage payment in Hettinger?
Based on the median home price of $199,000 with 20% down, the estimated monthly mortgage payment in Hettinger is $1,047 for principal and interest. Including property taxes of $169/month, the total monthly housing cost is approximately $1,216.
What income do I need to buy a home in Hettinger?
Using the 28% rule, you would need an annual income of approximately $52,114 to afford the median-priced home in Hettinger at $199,000. The median household income in Hettinger is $66,000. The median income is currently sufficient to meet this threshold.
Is Hettinger a good place to buy a home in 2026?
Hettinger offers a below-average cost of living with a cost of living index of 84.3 (national average = 100). The property tax rate in North Dakota is 1.02%, which is near the national average. Hettinger has a population of 1,226 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 Hettinger, North Dakota area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.