M
MortgageMath
Free mortgage calculators for every state

North Dakota vs Utah:
Mortgage & Housing Costs

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

MetricNorth DakotaUtah
Median Home Price$255K$480K
Property Tax Rate0.98%0.58%
Avg Closing Costs$3K$6K
Closing Cost %1.1%1.3%
Transfer TaxNoneNone
Homeowners Insurance$2,100/yr$1,200/yr
First-Time Buyer Program
NDHFA FirstHome
DCA up to $14,000
UHC FirstHome Loan
Up to 6% DPA second
Verdict

North Dakota wins 3 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 Utah. Both states offer first-time buyer programs — explore the state pages for full details.

Explore Each State

North Dakota$255K
0.98% tax · $3K closing · $2,100/yr insurance
Utah$480K
0.58% tax · $6K closing · $1,200/yr insurance
Run a Rent vs Buy analysis
Compare total costs of renting vs buying in North Dakota or Utah.
Rent vs Buy Calculator →
The First-Time Buyer Playbook
Free weekly guide: mortgage tips, market updates, and money-saving strategies. No spam.