North Dakota vs Virginia: Mortgage & Housing Costs
Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between North Dakota and Virginia. Updated for 2026.
Metric
North Dakota
Virginia
Median Home Price
$255K
$400K
Property Tax Rate
0.98%
0.82%
Avg Closing Costs
$3K
$6K
Closing Cost %
1.1%
1.5%
Transfer Tax
None
0.25%
Homeowners Insurance
$2,100/yr
$1,700/yr
First-Time Buyer Program
NDHFA FirstHome
DCA up to $14,000
Virginia Housing DPA Grant
Up to 2.5% grant
Verdict
North Dakota wins 4 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 Virginia. Both states offer first-time buyer programs — explore the state pages for full details.