Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Nevada and North Dakota. Updated for 2026.
Metric
Nevada
North Dakota
Median Home Price
$425K
$255K
Property Tax Rate
0.53%
0.98%
Avg Closing Costs
$6K
$3K
Closing Cost %
1.5%
1.1%
Transfer Tax
0.52%
None
Homeowners Insurance
$1,700/yr
$2,100/yr
First-Time Buyer Program
Home Is Possible DPA
Up to 5% forgivable grant
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 Nevada. Both states offer first-time buyer programs — explore the state pages for full details.