Mortgage Rates in Langdon, North Dakota — March 2026
Updated March 2026 | Based on Langdon market data and regional lending conditions
Langdon is a growing city in North Dakota with a population of 1,829. The current 30-year fixed mortgage rate in Langdon is 6.63%, which is 0.02% below the national average. With a median home price of $179,000 and a 20% down payment of $35,800, homebuyers can expect a monthly principal and interest payment of approximately $917.
Current Mortgage Rates in Langdon, ND
Below are the current average mortgage rates available in the Langdon 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 | 6.63% | 6.65% | -0.02% |
| 15-Year Fixed | 5.9% | 5.89% | +0.01% |
| 5/1 ARM | 6.18% | 6.15% | +0.03% |
| FHA | 6.44% | 6.25% | +0.19% |
| VA | 6.19% | 6.05% | +0.14% |
| Jumbo | 6.88% | 6.85% | +0.03% |
Langdon Housing Market Overview
The Langdon housing market offers relatively affordable housing compared to many major cities. The median household income in Langdon is $58,100, and the cost of living index is 86.7 (national average = 100). Based on the 28% affordability rule, the median income in Langdon is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Langdon
Based on the median home price of $179,000 with 20% down ($35,800), here is what you can expect to pay monthly in Langdon:
15-Year vs. 30-Year Mortgage in Langdon
Choosing a 15-year mortgage in Langdon at 5.9% instead of a 30-year at 6.63% would save you $113,940 in total interest over the life of the loan. However, your monthly payment would be $1,201 instead of $917 — an increase of $284 per month.
Calculate Your Langdon 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 Langdon
What are the current mortgage rates in Langdon, ND?
As of March 2026, the average 30-year fixed mortgage rate in Langdon, North Dakota is 6.63%, while the 15-year fixed rate is 5.9%. FHA loans average 6.44% and VA loans 6.19%. These rates are 0.02% below the national average of 6.65%.
How much is a monthly mortgage payment in Langdon?
Based on the median home price of $179,000 with 20% down, the estimated monthly mortgage payment in Langdon is $917 for principal and interest. Including property taxes of $155/month, the total monthly housing cost is approximately $1,072.
What income do I need to buy a home in Langdon?
Using the 28% rule, you would need an annual income of approximately $45,943 to afford the median-priced home in Langdon at $179,000. The median household income in Langdon is $58,100. The median income is currently sufficient to meet this threshold.
Is Langdon a good place to buy a home in 2026?
Langdon offers a below-average cost of living with a cost of living index of 86.7 (national average = 100). The property tax rate in North Dakota is 1.04%, which is near the national average. Langdon has a population of 1,829 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 Langdon, North Dakota area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.