Missouri vs North Dakota: Mortgage & Housing Costs
Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Missouri and North Dakota. Updated for 2026.
Metric
Missouri
North Dakota
Median Home Price
$235K
$255K
Property Tax Rate
0.97%
0.98%
Avg Closing Costs
$2K
$3K
Closing Cost %
0.9%
1.1%
Transfer Tax
None
None
Homeowners Insurance
$2,200/yr
$2,100/yr
First-Time Buyer Program
MHDC First Place Loan
Up to 4% cash assistance
NDHFA FirstHome
DCA up to $14,000
Verdict
Missouri wins 4 of 6 cost categories, making it the more affordable state for homebuyers overall. With a median home price of $235K and lower overall costs, Missouri offers meaningful savings compared to North Dakota. Both states offer first-time buyer programs — explore the state pages for full details.