Mortgage Rates in North Dakota — April 2026
Compare current mortgage rates across 45 cities in North Dakota. The average 30-year fixed rate is 6.73%, which is 0.64% above the national average of 6.09%.
North Dakota Housing Highlights
All 45 Cities in North Dakota
| City | 30-Yr Rate | Home Price | Monthly P&I | Population |
|---|---|---|---|---|
| Fargo | 6.72% | $275,000 | $1,423 | 125,990 |
| Bismarck | 6.72% | $295,000 | $1,526 | 74,818 |
| Grand Forks | 6.72% | $245,000 | $1,267 | 56,588 |
| Minot | 6.72% | $255,000 | $1,319 | 49,321 |
| West Fargo | 6.72% | $315,000 | $1,629 | 38,626 |
| Williston | 6.72% | $285,000 | $1,474 | 29,160 |
| Dickinson | 6.72% | $265,000 | $1,371 | 25,372 |
| Mandan | 6.63% | $210,000 | $1,076 | 22,752 |
| Parshall | 6.7% | $175,000 | $903 | 22,261 |
| Glen Ullin | 6.77% | $250,000 | $1,300 | 21,370 |
| Steele | 6.78% | $300,000 | $1,561 | 20,243 |
| Velva | 6.85% | $230,000 | $1,206 | 19,357 |
| Burlington | 6.78% | $140,000 | $729 | 19,300 |
| Jamestown | 6.67% | $186,000 | $957 | 15,168 |
| Wahpeton | 6.64% | $165,000 | $847 | 7,766 |
| Watford City | 6.64% | $208,000 | $1,067 | 7,589 |
| Devils Lake | 6.73% | $155,000 | $802 | 7,340 |
| Valley City | 6.65% | $198,000 | $1,017 | 6,585 |
| Grafton | 6.79% | $171,000 | $891 | 4,095 |
| Beulah | 6.61% | $195,000 | $997 | 3,347 |
| Tioga | 6.73% | $202,000 | $1,046 | 3,179 |
| Horace | 6.69% | $193,000 | $995 | 3,000 |
| Casselton | 6.63% | $182,000 | $933 | 2,828 |
| Stanley | 6.75% | $164,000 | $851 | 2,787 |
| New Town | 6.78% | $167,000 | $869 | 2,756 |
| Rugby | 6.61% | $177,000 | $905 | 2,686 |
| Hazen | 6.7% | $184,000 | $950 | 2,434 |
| Mayville | 6.73% | $175,000 | $906 | 2,341 |
| Bottineau | 6.86% | $169,000 | $887 | 2,164 |
| Lisbon | 6.79% | $174,000 | $907 | 2,154 |
| Carrington | 6.62% | $190,000 | $973 | 2,065 |
| Langdon | 6.63% | $179,000 | $917 | 1,829 |
| Harvey | 6.71% | $178,000 | $920 | 1,783 |
| Oakes | 6.63% | $178,000 | $912 | 1,755 |
| Hillsboro | 6.79% | $175,000 | $912 | 1,618 |
| Garrison | 6.82% | $166,000 | $868 | 1,453 |
| Ellendale | 6.89% | $195,000 | $1,026 | 1,394 |
| Rolla | 6.74% | $165,000 | $855 | 1,340 |
| Cavalier | 6.64% | $167,000 | $857 | 1,302 |
| Hettinger | 6.89% | $199,000 | $1,047 | 1,226 |
| Crosby | 6.79% | $164,000 | $854 | 1,195 |
| Kenmare | 6.86% | $192,000 | $1,008 | 1,096 |
| Killdeer | 6.67% | $175,000 | $901 | 1,038 |
| Linton | 6.9% | $187,000 | $985 | 962 |
| Cooperstown | 6.83% | $200,000 | $1,046 | 938 |
North Dakota Mortgage Rates Guide — 2026
North Dakota homebuyers currently see an average 30-year fixed mortgage rate of 6.73%, with median home prices around $200,333. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $1,038.
The most affordable city for homebuyers in North Dakota is Burlington, where the median home price is $140,000. On the other end, West Fargo has the highest prices at $315,000. Property tax rates across the state average 0.97%.
To comfortably afford a home at the state average price, a household income of approximately $44,486 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.
Use our free loan calculator to see your exact monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Frequently Asked Questions — North Dakota Mortgages
What are current mortgage rates in North Dakota?
As of April 2026, the average 30-year fixed mortgage rate in North Dakota is 6.73% and the 15-year fixed rate averages 5.97%. Rates vary by city, lender, and borrower qualification.
What is the average home price in North Dakota?
The median home price across 45 cities in North Dakota is $200,333. Prices range from $140,000 in Burlington to $315,000 in West Fargo.
How much income do I need to buy a house in North Dakota?
Based on the 28% debt-to-income guideline, you would need a household income of approximately $44,486 to comfortably afford the average home in North Dakota. The median household income in the state is approximately $58,797.
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