North Dakota Property Tax Calculator
Calculate North Dakota property taxes. Effective rate: 0.92%. Estimate annual and monthly property tax on your home.
Estimate only — these are not official figures
Home value multiplied by North Dakota's statewide effective property-tax rate of 0.92% — a Tax Foundation/Census ACS 2024 statistical average (median tax paid ÷ median home value), not the millage of any specific county, city, or school district. Assessed value, local rates, and exemptions vary within North Dakota, so an individual bill can differ substantially. The optional homestead reduction is a generic model, not North Dakota's actual exemption.
Do not rely on these amounts for budgeting or payment. For exact amounts, check the county assessor or tax collector's office where the property is located (they set the actual millage rate, assessed value, and exemptions).
Enter Your Details
Adjust values to see instant results
Pre-filled: North Dakota median
Pre-filled: Tax Foundation
Estimated Annual Property Tax
Estimated • Based on your inputs
Estimated Monthly Property Tax
$225.40
Detailed Breakdown
Disclaimer: This calculator provides estimates for informational purposes only. Results should not be considered financial, tax, or legal advice. Consult a qualified professional for your specific situation.
How This Calculator Works
Calculation methodology and assumptions
This is a modeled estimate, not your actual tax bill. It multiplies your home value by North Dakota's statewide effective property-tax rate (0.92%), which is a statistical average — median property tax paid divided by median home value across the state — not the rate any single jurisdiction levies. Your real bill is set by your county/municipal millage applied to an assessor's assessed value (which is usually not the same as market value) and reduced by whatever local exemptions you qualify for. The optional homestead reduction in this tool is a generic 10%-of-value estimate (capped at $50,000), not a North Dakota-specific exemption; it must not be used to determine eligibility or an actual exemption amount.
How to Use This Property Tax Calculator
- 1
Enter your home value
Input the current market value of your property. The calculator is pre-filled with North Dakota's median home value. Use your county's most recent tax assessment or a recent appraisal for accuracy.
- 2
Verify the property tax rate
The effective tax rate is pre-filled based on North Dakota's statewide average. Note that rates vary significantly by county and municipality — check your county assessor's website for your exact rate.
- 3
Review annual and monthly estimates
The calculator shows your estimated annual property tax bill and the monthly equivalent (useful for budgeting or comparing to your mortgage escrow payment).
Example Calculation
Let's estimate property taxes on a typical home in North Dakota.
Assume a home valued at $294,000 — North Dakota's median home price. At North Dakota's average effective property tax rate of 0.92%, with no broad statewide homestead exemption to reduce the taxable value, giving an estimated annual tax bill.
Result: That works out to roughly $2,705/year, or about $225/month. Property taxes are one of the largest ongoing costs of homeownership. Unlike a fixed-rate mortgage payment, they can increase annually as home values rise and local governments adjust mill rates — budget for 1–3% annual increases in most markets.
What Affects Your Results
Assessment Ratio
States assess property at different percentages of market value (assessment ratio). South Carolina assesses owner-occupied homes at 4%, while others use 100%. The effective rate is what matters for comparison.
Local Mill Rates
Property taxes fund schools, fire departments, and local services. Rates vary dramatically even within a state — urban areas with more services often have higher rates.
Exemptions
Homestead, veteran, senior, and disability exemptions can reduce your taxable value by thousands. These must usually be applied for — they're not automatic.
Home Value Changes
As home values rise, so do assessments and tax bills — even if the tax rate stays the same. Some states cap annual assessment increases (e.g., California's Prop 13 limits increases to 2%/year).
Tips for North Dakota Residents
- North Dakota does not offer a large statewide homestead exemption, so check for county-level, senior, or veteran-specific relief programs instead.
- Review your assessment annually. If your assessed value seems too high compared to recent comparable sales, file an appeal — success rates are surprisingly high (30–40% in many jurisdictions).
- Property taxes are generally tax-deductible on federal returns up to the $40,400 SALT cap (state and local taxes combined) under the One Big Beautiful Bill Act — up from the old $10,000 TCJA cap, though it phases back down for high earners (MAGI over $505,000) and reverts to a flat $10,000 in 2030 unless extended. This partially offsets the cost for itemizers.
- When comparing homes in different counties, always compare effective tax rates (total tax / market value) rather than mill rates, which don't account for assessment ratios.
- Senior citizens, veterans, and disabled homeowners may qualify for additional exemptions or deferrals in most states. Check your county assessor's website for programs.
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StateCalc Team
Editorial Team
The StateCalc team builds free financial calculators using data from official government sources including the IRS, U.S. Census Bureau, BLS, and state revenue departments. All formulas are validated by an automated test suite and cross-referenced against published data.
Our editorial standardsFrequently Asked Questions
What is the property tax rate in North Dakota?
North Dakota's statewide effective property tax rate averages 0.92% (a statistical median, per Tax Foundation/Census ACS 2024 data — local rates vary by county, city, and school district). Applied to a $294,000 home, that's an estimated $2,705 per year or about $225/month. Your actual bill depends on your jurisdiction's millage and assessed value.
Does North Dakota have a homestead exemption?
Homestead rules in North Dakota can depend on state law, county/municipal administration, property use, age, disability, veteran status, filing deadlines, and local options. This calculator's homestead toggle is only a generic modeling assumption — it does not determine eligibility or encode North Dakota's real exemption. Check the county assessor or tax collector where the property is located.
When are property taxes due in North Dakota?
Property tax due dates vary by county in North Dakota. Most counties bill semi-annually or annually. Check with your county assessor's office for specific dates. Many mortgage lenders collect property taxes monthly as part of escrow.
How does North Dakota's property tax compare to other states?
North Dakota's rate of 0.92% is above the national average of 0.90%.
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