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Maine vs North Dakota:
Mortgage & Housing Costs

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

MetricMaineNorth Dakota
Median Home Price$350K$255K
Property Tax Rate1.3%0.98%
Avg Closing Costs$5K$3K
Closing Cost %1.5%1.1%
Transfer Tax0.44%None
Homeowners Insurance$1,300/yr$2,100/yr
First-Time Buyer Program
MaineHousing First Home
$5,000 Advantage grant
NDHFA FirstHome
DCA up to $14,000
Verdict

North Dakota wins 5 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 Maine. Both states offer first-time buyer programs — explore the state pages for full details.

Explore Each State

Maine$350K
1.3% tax · $5K closing · $1,300/yr insurance
North Dakota$255K
0.98% tax · $3K closing · $2,100/yr insurance
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