Ranked from ACS 2023 5-Year
Cheapest Counties to Own a Home Outright in North Dakota
Paying off a mortgage does not end the cost of a house. This ranks counties by what the median home still costs every month with no loan at all: property tax, insurance, electricity, water and maintenance. Nowhere in America is it zero.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
North Dakota ranked
| # | County | Monthly if paid off | Median home | Effective rate |
|---|---|---|---|---|
| 1 | Sioux County | $350 | $87,400 | 0.469% |
| 2 | Benson County | $371 | $83,100 | 0.871% |
| 3 | McIntosh County | $380 | $80,300 | 1.080% |
| 4 | Grant County | $384 | $85,800 | 0.980% |
| 5 | Slope County | $397 | $121,300 | 0.379% |
| 6 | Rolette County | $399 | $93,000 | 0.975% |
| 7 | Sheridan County | $405 | $107,700 | 0.699% |
| 8 | Logan County | $414 | $101,800 | 0.932% |
| 9 | Nelson County | $427 | $114,500 | 0.803% |
| 10 | Emmons County | $432 | $112,400 | 0.899% |
| 11 | Wells County | $433 | $106,400 | 1.040% |
| 12 | Adams County | $435 | $108,300 | 1.021% |
| 13 | Eddy County | $437 | $115,500 | 0.889% |
| 14 | Golden Valley County | $449 | $119,200 | 0.930% |
| 15 | LaMoure County | $450 | $118,000 | 0.968% |
| 16 | Hettinger County | $450 | $110,900 | 1.128% |
| 17 | Pembina County | $450 | $116,600 | 0.999% |
| 18 | Towner County | $451 | $122,800 | 0.878% |
| 19 | Steele County | $454 | $120,400 | 0.952% |
| 20 | Kidder County | $457 | $138,500 | 0.657% |
| 21 | Griggs County | $465 | $128,200 | 0.906% |
| 22 | Burke County | $466 | $141,900 | 0.682% |
| 23 | McHenry County | $466 | $143,200 | 0.663% |
| 24 | Walsh County | $480 | $125,700 | 1.105% |
| 25 | Cavalier County | $487 | $122,300 | 1.246% |
| 26 | Renville County | $504 | $163,400 | 0.677% |
| 27 | Pierce County | $510 | $143,400 | 1.030% |
| 28 | Divide County | $511 | $173,100 | 0.597% |
| 29 | Sargent County | $537 | $149,600 | 1.142% |
| 30 | Bowman County | $540 | $176,400 | 0.754% |
| 31 | Dickey County | $545 | $167,100 | 0.920% |
| 32 | Bottineau County | $558 | $190,900 | 0.699% |
| 33 | Barnes County | $572 | $168,100 | 1.096% |
| 34 | Ransom County | $580 | $174,800 | 1.051% |
| 35 | Mountrail County | $584 | $222,200 | 0.527% |
| 36 | Foster County | $586 | $162,800 | 1.285% |
| 37 | Oliver County | $594 | $217,000 | 0.628% |
| 38 | Richland County | $598 | $177,600 | 1.135% |
| 39 | Ramsey County | $609 | $197,400 | 0.936% |
| 40 | Traill County | $618 | $193,200 | 1.045% |
| 41 | Mercer County | $629 | $196,200 | 1.071% |
| 42 | Dunn County | $637 | $244,000 | 0.604% |
| 43 | Stutsman County | $642 | $200,300 | 1.095% |
| 44 | McLean County | $646 | $233,100 | 0.750% |
| 45 | Williams County | $703 | $267,800 | 0.714% |
| 46 | Billings County | $712 | $322,500 | 0.369% |
| 47 | Morton County | $735 | $249,600 | 1.026% |
| 48 | Stark County | $735 | $260,400 | 0.921% |
| 49 | Grand Forks County | $744 | $244,200 | 1.128% |
| 50 | Ward County | $765 | $259,100 | 1.075% |
| 51 | McKenzie County | $780 | $357,300 | 0.412% |
| 52 | Burleigh County | $834 | $314,700 | 0.878% |
| 53 | Cass County | $853 | $284,700 | 1.211% |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Cheapest Counties to Own a Home Outright across all 3,133 US counties · Every county in North Dakota