Mortgage Rates in Williston, North Dakota — March 2026
Updated March 2026 | Based on Williston market data and regional lending conditions
Williston is a growing city in North Dakota with a population of 29,160. The current 30-year fixed mortgage rate in Williston is 6.72%, which is 0.07% above the national average. With a median home price of $285,000 and a 20% down payment of $57,000, homebuyers can expect a monthly principal and interest payment of approximately $1,474.
Current Mortgage Rates in Williston, ND
Below are the current average mortgage rates available in the Williston 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 | 6.72% | 6.65% | +0.07% |
| 15-Year Fixed | 5.96% | 5.89% | +0.07% |
| 5/1 ARM | 6.22% | 6.15% | +0.07% |
| FHA | 6.32% | 6.25% | +0.07% |
| VA | 6.12% | 6.05% | +0.07% |
| Jumbo | 6.92% | 6.85% | +0.07% |
Williston Housing Market Overview
The Williston housing market offers relatively affordable housing compared to many major cities. The median household income in Williston is $68,250, and the cost of living index is 92.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $73,157 to comfortably afford the median-priced home in Williston, which exceeds the current median household income.
Monthly Payment Breakdown for Williston
Based on the median home price of $285,000 with 20% down ($57,000), here is what you can expect to pay monthly in Williston:
15-Year vs. 30-Year Mortgage in Williston
Choosing a 15-year mortgage in Williston at 5.96% instead of a 30-year at 6.72% would save you $185,220 in total interest over the life of the loan. However, your monthly payment would be $1,919 instead of $1,474 — an increase of $445 per month.
Calculate Your Williston 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 Williston
What are the current mortgage rates in Williston, ND?
As of March 2026, the average 30-year fixed mortgage rate in Williston, North Dakota is 6.72%, while the 15-year fixed rate is 5.96%. FHA loans average 6.32% and VA loans 6.12%. These rates are 0.07% above the national average of 6.65%.
How much is a monthly mortgage payment in Williston?
Based on the median home price of $285,000 with 20% down, the estimated monthly mortgage payment in Williston is $1,474 for principal and interest. Including property taxes of $233/month, the total monthly housing cost is approximately $1,707.
What income do I need to buy a home in Williston?
Using the 28% rule, you would need an annual income of approximately $73,157 to afford the median-priced home in Williston at $285,000. The median household income in Williston is $68,250. This means most households would need to either earn above the median or consider homes below $285,000.
Is Williston a good place to buy a home in 2026?
Williston offers a below-average cost of living with a cost of living index of 92.5 (national average = 100). The property tax rate in North Dakota is 0.98%, which is near the national average. Williston has a population of 29,160 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 Williston, North Dakota area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.