M
MortgageMath
Free mortgage calculators for every state

North Dakota vs Washington:
Mortgage & Housing Costs

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

MetricNorth DakotaWashington
Median Home Price$255K$580K
Property Tax Rate0.98%0.98%
Avg Closing Costs$3K$8K
Closing Cost %1.1%1.4%
Transfer TaxNone1.78%
Homeowners Insurance$2,100/yr$1,600/yr
First-Time Buyer Program
NDHFA FirstHome
DCA up to $14,000
WSHFC Home Advantage
Up to $10,000 DPA
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 Washington. 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
Washington$580K
0.98% tax · $8K closing · $1,600/yr insurance
Run a Rent vs Buy analysis
Compare total costs of renting vs buying in North Dakota or Washington.
Rent vs Buy Calculator →
The First-Time Buyer Playbook
Free weekly guide: mortgage tips, market updates, and money-saving strategies. No spam.