Closing Costs for North Dakota (2026)
North Dakota (ND) Key Facts
Average Closing Cost Rate
2.5%
Estimated Closing Costs ( Median Home)
$6,250
Attorney Required at Closing
Yes
Median Home Price
$250,000
Transfer Tax
Varies by county
How This Calculator Works in North Dakota
This closing costs calculator estimates the total amount you will need at closing when buying a home in North Dakota. It uses the state's average closing cost rate of 2.5% as a baseline and lets you adjust for your specific purchase price and situation. Understanding these costs in advance helps you budget effectively and avoid surprises at the closing table.
North Dakota Overview
Closing costs in North Dakota average about 2.5% of the home's purchase price—roughly $6,250 on the median home of $250,000. North Dakota requires an attorney at closing, adding legal oversight and cost to the process. Transfer taxes in North Dakota are: None (no state transfer tax).
How North Dakota Compares
North Dakota's average closing cost rate of 2.5% is in the middle range nationally. Neighboring South Dakota averages 2.5%, while Montana averages 2.6%. States with attorney requirements and higher transfer taxes tend to have elevated closing costs overall.
| State | Top Rate | Notes |
|---|---|---|
| South Dakota | 2.5% | Average closing costs are 2.5% of the home price, approximately $7,250 on the median home. Attorney not required at closing. |
| Montana | 2.6% | Average closing costs are 2.6% of the home price, approximately $11,700 on the median home. Attorney not required at closing. |
| Minnesota | 2.8% | Average closing costs are 2.8% of the home price, approximately $9,240 on the median home. Attorney not required at closing. |
Closing costs in North Dakota average 2.5% of the home price, or about $6,250 on the median-priced home of $250,000. The national average for closing costs is typically 2-5% of the purchase price. North Dakota falls in the mid-range nationally.
Tips for North Dakota Residents
- 1Budget approximately 2.5% of the purchase price for closing costs in North Dakota, which comes to about $6,250 on the median home of $250,000. This is in addition to your down payment and moving expenses.
- 2North Dakota requires an attorney at closing, adding legal oversight and cost to the process. Attorney fees typically run $500-$2,000 in North Dakota depending on the complexity of the deal.
- 3Transfer taxes in North Dakota: None (no state transfer tax). Make sure you know who is customarily responsible (buyer or seller) in your county, as local practice varies.
- 4Shop at least three lenders for your Loan Estimate in North Dakota. Origination fees, discount points, and third-party charges can differ by $1,000 or more between lenders on the same loan amount.
- 5Ask about first-time homebuyer programs in North Dakota that may offer closing cost assistance, grants, or below-market interest rates. Many state and county housing finance agencies provide such programs.
Frequently Asked Questions
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