New Hampshire vs North Dakota: Mortgage & Housing Costs
Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between New Hampshire and North Dakota. Updated for 2026.
Metric
New Hampshire
North Dakota
Median Home Price
$430K
$255K
Property Tax Rate
2.09%
0.98%
Avg Closing Costs
$7K
$3K
Closing Cost %
1.6%
1.1%
Transfer Tax
1.5%
None
Homeowners Insurance
$1,400/yr
$2,100/yr
First-Time Buyer Program
NHHFA Home Flex Plus
Up to $20,000 DPA
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 New Hampshire. Both states offer first-time buyer programs — explore the state pages for full details.