North Dakota vs Rhode Island: Mortgage & Housing Costs
Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between North Dakota and Rhode Island. Updated for 2026.
Metric
North Dakota
Rhode Island
Median Home Price
$255K
$425K
Property Tax Rate
0.98%
1.53%
Avg Closing Costs
$3K
$7K
Closing Cost %
1.1%
1.7%
Transfer Tax
None
0.46%
Homeowners Insurance
$2,100/yr
$2,200/yr
First-Time Buyer Program
NDHFA FirstHome
DCA up to $14,000
RIHousing First Homes
10K DPA forgivable
Verdict
North Dakota wins 6 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 Rhode Island. Both states offer first-time buyer programs — explore the state pages for full details.