Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Hawaii and North Dakota. Updated for 2026.
Metric
Hawaii
North Dakota
Median Home Price
$830K
$255K
Property Tax Rate
0.28%
0.98%
Avg Closing Costs
$12K
$3K
Closing Cost %
1.5%
1.1%
Transfer Tax
0.2%
None
Homeowners Insurance
$1,200/yr
$2,100/yr
First-Time Buyer Program
HHFDC Hula Mae Program
Below-market rate mortgages
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 Hawaii. Both states offer first-time buyer programs — explore the state pages for full details.