North Dakota vs South Carolina: Mortgage & Housing Costs
Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between North Dakota and South Carolina. Updated for 2026.
Metric
North Dakota
South Carolina
Median Home Price
$255K
$305K
Property Tax Rate
0.98%
0.57%
Avg Closing Costs
$3K
$4K
Closing Cost %
1.1%
1.3%
Transfer Tax
None
0.37%
Homeowners Insurance
$2,100/yr
$2,600/yr
First-Time Buyer Program
NDHFA FirstHome
DCA up to $14,000
SC Housing Palmetto Home
Up to $8,000 forgivable
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 South Carolina. Both states offer first-time buyer programs — explore the state pages for full details.