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North Carolina vs North Dakota:
Mortgage & Housing Costs

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

MetricNorth CarolinaNorth Dakota
Median Home Price$340K$255K
Property Tax Rate0.78%0.98%
Avg Closing Costs$5K$3K
Closing Cost %1.4%1.1%
Transfer Tax0.2%None
Homeowners Insurance$2,300/yr$2,100/yr
First-Time Buyer Program
NC Home Advantage Mortgage
Up to 5% 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 North Carolina. Both states offer first-time buyer programs — explore the state pages for full details.

Explore Each State

North Carolina$340K
0.78% tax · $5K closing · $2,300/yr insurance
North Dakota$255K
0.98% tax · $3K closing · $2,100/yr insurance
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