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Massachusetts vs North Dakota:
Mortgage & Housing Costs

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

MetricMassachusettsNorth Dakota
Median Home Price$595K$255K
Property Tax Rate1.2%0.98%
Avg Closing Costs$10K$3K
Closing Cost %1.6%1.1%
Transfer Tax0.456%None
Homeowners Insurance$2,200/yr$2,100/yr
First-Time Buyer Program
MassHousing DPA
Up to $50,000 DPA loan
NDHFA FirstHome
DCA up to $14,000
Verdict

North Dakota wins 6 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 Massachusetts. Both states offer first-time buyer programs — explore the state pages for full details.

Explore Each State

Massachusetts$595K
1.2% tax · $10K closing · $2,200/yr insurance
North Dakota$255K
0.98% tax · $3K closing · $2,100/yr insurance
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