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North Dakota vs Oklahoma:
Mortgage & Housing Costs

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

MetricNorth DakotaOklahoma
Median Home Price$255K$210K
Property Tax Rate0.98%0.88%
Avg Closing Costs$3K$3K
Closing Cost %1.1%1.3%
Transfer TaxNone0.075%
Homeowners Insurance$2,100/yr$3,600/yr
First-Time Buyer Program
NDHFA FirstHome
DCA up to $14,000
OHFA Homebuyer DPA
Up to 3.5% DPA
Verdict

North Dakota and Oklahoma are evenly matched across major housing cost categories. Your decision may come down to other factors like job market, climate, or lifestyle preferences. Use the calculators below to model your specific scenario.

Explore Each State

North Dakota$255K
0.98% tax · $3K closing · $2,100/yr insurance
Oklahoma$210K
0.88% tax · $3K closing · $3,600/yr insurance
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