Property Tax in North Dakota (2026): Rates, Exemptions, and Real Numbers

North Dakota Property Tax Rates by County

Highest and lowest effective rates within North Dakota

Property Tax Calculator — North Dakota

Pre-loaded with North Dakota's 0.95% effective rate and $268,100 median price

Property Tax by City in North Dakota

Annual and monthly property tax by city, based on local median prices and the statewide effective rate

North Dakota Homestead Exemption

How North Dakota Assesses Property Values

Assessment cycle: Annual assessment by county assessors. Residential property assessed at 50% of true and full value.

Property Tax's Impact on Your True Monthly Cost

On a $268,100 home in North Dakota

Property tax represents 9% of the true monthly cost in North Dakota.

Mortgage Calculator Including Property Tax — North Dakota

See your full PITI (principal, interest, taxes, insurance) payment

How North Dakota's Property Tax Affects Affordability

$212/month in property tax reduces the home price you can afford. Use the affordability calculator to see the real impact.

Property Tax After Refinancing in North Dakota

Refinancing changes your P&I but not your property tax. If your home was reassessed at a higher value, your tax bill increases regardless of your rate.

Frequently Asked Questions

What is the property tax rate in North Dakota?

North Dakota's effective property tax rate is 0.95%, ranking #23 nationally. The median annual property tax bill is $2,547 ($212/month). Rates range from 0.54% in Slope County to 1.13% in Cass County (Fargo). Source: Tax Foundation Property Taxes by State 2024.

Does North Dakota have a homestead exemption?

Yes — North Dakota offers a homestead exemption for primary residences. Primary Residence Credit: $500 credit applied to property tax bills of owner-occupied primary residences (2024). Homestead Credit for low-income elderly and disabled homeowners. Oil and gas tax revenues have historically helped fund property tax relief measures.. Apply through your county assessor's office after purchasing your home.

How often is property reassessed in North Dakota?

North Dakota reassesses property on a annual assessment by county assessors. residential property assessed at 50% of true and full value. basis. When your property is reassessed, your tax bill changes based on the new assessed value multiplied by the applicable rate. If you believe your assessment is too high, you can appeal — most counties allow 30-90 days after receiving your assessment notice.

How is property tax calculated in North Dakota?

Property tax = Assessed Value × Mill Rate (or effective rate). In North Dakota, the effective rate is 0.95% of market value. On a $268,100 home: $268,100 × 0.95% = $2,547/year. Assessments may use a fraction of market value — the effective rate accounts for this.

Can I appeal my property tax assessment in North Dakota?

Yes. If your assessed value is higher than comparable sales in your area, you can file an appeal with your county assessment board. Steps: (1) Get your assessment notice, (2) Research comparable recent sales, (3) File an appeal by the deadline (typically 30-90 days from assessment notice). Studies show 20-40% of appeals result in a reduction. The process is free and you represent yourself — no attorney required.

Are property taxes included in my mortgage payment in North Dakota?

Most lenders require an escrow account that collects $212/month ($2,547/year ÷ 12) along with your mortgage payment, then pays the county on your behalf. If your loan-to-value is below 80%, you may be able to opt out of escrow and pay taxes directly. Note: if your assessed value rises, your escrow payment adjusts and your total monthly cost increases.

What North Dakota counties have the highest and lowest property taxes?

North Dakota's highest effective rate is in Cass County (Fargo) at 1.13%. The lowest is Slope County at 0.54%. That's a 0.59% spread — on a $268,100 home, the difference is $1,582/year.