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Mortgage Calculator &
Closing Costs: Dickinson, ND

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Dickinson, North Dakota.

Median Home Price
$275K
Population
25K
Avg Monthly Rent
$1,050
Property Tax Rate
0.98%
Dickinson vs North Dakota Median
The median home price in Dickinson is $275,000, which is 8% above the North Dakota state median of $255,000.

Mortgage Calculator — Dickinson, ND

Pre-filled with Dickinson median home price and North Dakota tax/insurance rates. Adjust for your property.

$
$55,000
%
%
years
ND avg
%
$
Monthly Payment (PITI)
$1,790
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,391
per month
Taxes & Insurance
$400
per month
Total Interest Paid
$281K
over 30 years
Total Loan Cost
$501K
all payments
Payment Breakdown
Loan Amount$220,000
Principal & Interest$1,391
Property Taxes$225
Homeowners Insurance$175
Total Monthly PITI$1,790

Closing Costs — Dickinson, ND

Estimated closing costs based on North Dakota rates and fees applied to Dickinson prices.

$
%
North Dakota: Avg closing costs 1.1% of price. Transfer tax: 0%.
Estimated Closing Costs
$9,689
3.5% of purchase price
Lender Fees
$2,405
origination, underwriting
Third-Party
$2,825
appraisal, title, inspection
Government Fees
$0
transfer taxes, recording
Prepaids + Escrow
$4,459
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$1,980
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,675
Recording Fee$150
Prepaid Taxes (3 mo)$674
Prepaid Insurance (12 mo)$2,100
Prepaid Interest (15 days)$661
Escrow Reserves$1,024
Total Closing Costs$9,689

Buying a Home in Dickinson, North Dakota

The median home price in Dickinson is $275,000, 8% above the North Dakota state median of $255,000. With a population of 25,026, Dickinson is a smaller market where home prices reflect strong demand and local economic factors.

Property taxes in North Dakota average 0.98% annually. This moderate property tax rate means a $275,000 home in Dickinson would carry roughly $225/month in property taxes. Homeowners insurance in North Dakota runs approximately $2,100 per year. This is within the normal range nationally.

Average rent in Dickinson is $1,050/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.

Dickinson presents moderate affordability. The $275K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Dickinson.
Rent vs Buy Calculator →
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