The rate in context
On a $400,000 home, 0.92% means roughly $3,680 per year in property tax, escrowed monthly, so it lands directly in your payment and your debt-to-income ratio.
Exemptions and notes
No assessment cap; a primary residence credit (currently $500) plus senior and disabled homestead credits reduce bills.
Sources: Tax Foundation 2026 (2024 ACS); NAR/NCSL transfer tax table. County-level rates vary; your county page has local detail.
Counties in North Dakota
FAQ
What is the average property tax rate in North Dakota?
The average effective property tax rate in North Dakota is about 0.92%, per Tax Foundation 2026 (2024 ACS); NAR/NCSL transfer tax table. Individual counties vary above and below that average.
How do North Dakota property taxes affect my mortgage?
Taxes are escrowed into your monthly payment, so a higher rate directly reduces how much house you qualify for. No assessment cap; a primary residence credit (currently $500) plus senior and disabled homestead credits reduce bills.