Ranked from ACS 2023 5-Year
Highest Costs Beyond the Mortgage in North Dakota
Tax, insurance, electricity, water and maintenance as a share of the total monthly cost of owning: everything the mortgage payment is not. Ranking the dollars would just reproduce a list of expensive counties, because all of those costs scale with the price of the house. The share does not: at one rate and one down payment the mortgage is the same fraction of price everywhere, so what moves this list is counties whose carrying costs are heavy for what the house is worth. The share depends on the rate and the 20% down payment this site models, and would shift if either changed.
North Dakota ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | McIntosh County | 47.0% | $380 | $808 |
| 2 | Grant County | 45.6% | $384 | $842 |
| 3 | Benson County | 45.6% | $371 | $815 |
| 4 | Rolette County | 44.6% | $399 | $895 |
| 5 | Wells County | 43.2% | $433 | $1,001 |
| 6 | Logan County | 43.2% | $414 | $957 |
| 7 | Hettinger County | 43.2% | $450 | $1,042 |
| 8 | Adams County | 42.9% | $435 | $1,013 |
| 9 | Sioux County | 42.9% | $350 | $817 |
| 10 | Cavalier County | 42.7% | $487 | $1,140 |
| 11 | Pembina County | 42.0% | $450 | $1,073 |
| 12 | Emmons County | 41.9% | $432 | $1,032 |
| 13 | Walsh County | 41.7% | $480 | $1,151 |
| 14 | LaMoure County | 41.7% | $450 | $1,080 |
| 15 | Eddy County | 41.5% | $437 | $1,054 |
| 16 | Steele County | 41.4% | $454 | $1,096 |
| 17 | Golden Valley County | 41.4% | $449 | $1,085 |
| 18 | Sheridan County | 41.3% | $405 | $980 |
| 19 | Nelson County | 41.1% | $427 | $1,038 |
| 20 | Towner County | 40.7% | $451 | $1,106 |
| 21 | Griggs County | 40.4% | $465 | $1,149 |
| 22 | Foster County | 40.3% | $586 | $1,455 |
| 23 | Sargent County | 40.2% | $537 | $1,336 |
| 24 | Pierce County | 40.0% | $510 | $1,276 |
| 25 | Barnes County | 38.9% | $572 | $1,469 |
| 26 | Richland County | 38.7% | $598 | $1,546 |
| 27 | Ransom County | 38.3% | $580 | $1,513 |
| 28 | Kidder County | 38.2% | $457 | $1,196 |
| 29 | Burke County | 38.1% | $466 | $1,223 |
| 30 | Slope County | 38.0% | $397 | $1,045 |
| 31 | Dickey County | 37.9% | $545 | $1,437 |
| 32 | McHenry County | 37.9% | $466 | $1,230 |
| 33 | Mercer County | 37.5% | $629 | $1,676 |
| 34 | Stutsman County | 37.5% | $642 | $1,711 |
| 35 | Traill County | 37.5% | $618 | $1,650 |
| 36 | Renville County | 36.6% | $504 | $1,377 |
| 37 | Ramsey County | 36.6% | $609 | $1,663 |
| 38 | Bowman County | 36.4% | $540 | $1,481 |
| 39 | Grand Forks County | 36.3% | $744 | $2,048 |
| 40 | Cass County | 35.9% | $853 | $2,373 |
| 41 | Ward County | 35.6% | $765 | $2,148 |
| 42 | Divide County | 35.6% | $511 | $1,435 |
| 43 | Morton County | 35.5% | $735 | $2,067 |
| 44 | Bottineau County | 35.4% | $558 | $1,577 |
| 45 | Stark County | 34.6% | $735 | $2,125 |
| 46 | McLean County | 34.2% | $646 | $1,890 |
| 47 | Oliver County | 33.9% | $594 | $1,752 |
| 48 | Burleigh County | 33.2% | $834 | $2,514 |
| 49 | Mountrail County | 33.0% | $584 | $1,770 |
| 50 | Williams County | 33.0% | $703 | $2,133 |
| 51 | Dunn County | 32.8% | $637 | $1,939 |
| 52 | Billings County | 29.3% | $712 | $2,434 |
| 53 | McKenzie County | 29.0% | $780 | $2,687 |
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
Highest Costs Beyond the Mortgage across all 3,133 US counties · Every county in North Dakota