North Dakota vs West Virginia: Mortgage & Housing Costs
Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between North Dakota and West Virginia. Updated for 2026.
Metric
North Dakota
West Virginia
Median Home Price
$255K
$155K
Property Tax Rate
0.98%
0.58%
Avg Closing Costs
$3K
$2K
Closing Cost %
1.1%
1.5%
Transfer Tax
None
0.22%
Homeowners Insurance
$2,100/yr
$1,400/yr
First-Time Buyer Program
NDHFA FirstHome
DCA up to $14,000
WVHDF Homeownership Program
Up to $7,500 DPA
Verdict
West Virginia wins 4 of 6 cost categories, making it the more affordable state for homebuyers overall. With a median home price of $155K and lower overall costs, West Virginia offers meaningful savings compared to North Dakota. Both states offer first-time buyer programs — explore the state pages for full details.