M
MortgageMath
Free mortgage calculators for every state

Delaware vs North Dakota:
Mortgage & Housing Costs

Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Delaware and North Dakota. Updated for 2026.

MetricDelawareNorth Dakota
Median Home Price$355K$255K
Property Tax Rate0.56%0.98%
Avg Closing Costs$12K$3K
Closing Cost %3.3%1.1%
Transfer Tax4%None
Homeowners Insurance$1,300/yr$2,100/yr
First-Time Buyer Program
DSHA Homeownership Loan
Up to 5% Preferred Plus
NDHFA FirstHome
DCA up to $14,000
Verdict

North Dakota wins 4 of 6 cost categories, making it the more affordable state for homebuyers overall. With a median home price of $255K and lower overall costs, North Dakota offers meaningful savings compared to Delaware. Both states offer first-time buyer programs — explore the state pages for full details.

Explore Each State

Delaware$355K
0.56% tax · $12K closing · $1,300/yr insurance
North Dakota$255K
0.98% tax · $3K closing · $2,100/yr insurance
Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Delaware or North Dakota.
Rent vs Buy Calculator →
The First-Time Buyer Playbook
Free weekly guide: mortgage tips, market updates, and money-saving strategies. No spam.