North Dakota mortgage calculator

30-year fixed mortgage calculator with North Dakota-specific defaults. Median home price $270,000 · property tax effective rate 0.97%. All inputs update live; share your scenario as a URL.

Median home price reconciled 2026-04-22. Source: Zillow Home Value Index, state-level.

Your loan

Home price

$100k$2M

Down payment$54,000

Interest rate30-yr avg: 6.875%

Loan term

Taxes & insurance

(optional, but realistic)

State

North Dakota

State pre-set for this page. Switch state

Property tax rate

~$218 per month

Homeowner insurance

HOA dues (if any)

PMI required. With 20% down (LTV 80.0%), private mortgage insurance is added at 0.50% of the loan annually — that's $90/month. PMI auto-removes at month 28 (78% LTV, per the Homeowners Protection Act).

Extra payments

(optional — accelerate payoff)

Biweekly paymentsPay half the monthly amount every two weeks (26 half-payments per year ≈ 13 monthly equivalents). Typically saves 4-7 years and tens of thousands in interest on a 30-year loan.

Extra each month

Applied as additional principal every month.

One-time lump sum

Single payment toward principal at the specified month (e.g. tax refund or bonus).

Estimated monthly payment

For a $270,000 home, 20% down, 6.875% APR, 30-year fixed in North Dakota.

Where your payment goes

Principal & interest$1,419

Property tax$218

Homeowner insurance$145

PMI$90

Loan amount

$216,000

Total interest

$294,828

Total paid

$510,828

Compare scenarios →

How your balance falls over time

The crossover point — where more of each payment goes to principal than interest — is at year 20.

BalanceInterest paidPrincipal paid

Amortization schedule

Year-by-year breakdown of every payment.

Period	Payment	Principal	Interest	Total interest paid	Balance
Y01Year 1	$17,028	$2,248	$14,780	$14,780	$213,752
Y02Year 2	$17,028	$2,407	$14,621	$29,401	$211,345
Y03Year 3	$17,028	$2,578	$14,450	$43,850	$208,768
Y04Year 4	$17,028	$2,761	$14,267	$58,117	$206,007
Y05Year 5	$17,028	$2,957	$14,071	$72,188	$203,050
Y06Year 6	$17,028	$3,166	$13,861	$86,049	$199,884
Y07Year 7	$17,028	$3,391	$13,636	$99,686	$196,493
Y08Year 8	$17,028	$3,632	$13,396	$113,082	$192,861
Y09Year 9	$17,028	$3,889	$13,138	$126,220	$188,972
Y10Year 10	$17,028	$4,165	$12,862	$139,082	$184,806
Y11Year 11	$17,028	$4,461	$12,567	$151,649	$180,345
Y12Year 12	$17,028	$4,778	$12,250	$163,899	$175,568
Y13Year 13	$17,028	$5,117	$11,911	$175,810	$170,451
Y14Year 14	$17,028	$5,480	$11,548	$187,358	$164,971
Y15Year 15	$17,028	$5,868	$11,159	$198,517	$159,103
Y16Year 16	$17,028	$6,285	$10,743	$209,260	$152,818
Y17Year 17	$17,028	$6,731	$10,297	$219,556	$146,087
Y18Year 18	$17,028	$7,208	$9,819	$229,376	$138,879
Y19Year 19	$17,028	$7,720	$9,308	$238,683	$131,159
Y20Year 20	$17,028	$8,268	$8,760	$247,443	$122,891
Y21Year 21	$17,028	$8,854	$8,173	$255,616	$114,037
Y22Year 22	$17,028	$9,483	$7,545	$263,161	$104,554
Y23Year 23	$17,028	$10,156	$6,872	$270,033	$94,399
Y24Year 24	$17,028	$10,876	$6,151	$276,185	$83,522
Y25Year 25	$17,028	$11,648	$5,380	$281,564	$71,874
Y26Year 26	$17,028	$12,474	$4,553	$286,118	$59,400
Y27Year 27	$17,028	$13,360	$3,668	$289,786	$46,040
Y28Year 28	$17,028	$14,308	$2,720	$292,506	$31,733
Y29Year 29	$17,028	$15,323	$1,705	$294,210	$16,410
Y30Year 30	$17,028	$16,410	$618	$294,828	$0

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North Dakota — related

North Dakota income tax

Top marginal 2.50% · 3 brackets

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Compare scenarios

Up to three mortgage scenarios side-by-side with a differential row.

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National 30-year fixed

Same calculator with cross-state defaults; manually pick any state.

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Last updated 2026-05-13