Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between North Dakota and Vermont. Updated for 2026.
Metric
North Dakota
Vermont
Median Home Price
$255K
$380K
Property Tax Rate
0.98%
1.9%
Avg Closing Costs
$3K
$6K
Closing Cost %
1.1%
1.6%
Transfer Tax
None
1.45%
Homeowners Insurance
$2,100/yr
$1,100/yr
First-Time Buyer Program
NDHFA FirstHome
DCA up to $14,000
VHFA MOVE Mortgage
$5K–$15K DPA
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 Vermont. Both states offer first-time buyer programs — explore the state pages for full details.