Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Kansas and North Dakota. Updated for 2026.
North Dakota wins 4 of 6 cost categories, making it the more affordable state for homebuyers overall. However, Kansas has a lower total cost when combining home price, closing costs, and insurance. Both states offer first-time buyer programs — explore the state pages for full details.
Estimated PITI payments assuming 10% down, 6.5% rate, 30-year fixed mortgage with PMI.
The monthly payment difference is $59/month — that’s $708/year or $21K over the life of a 30-year loan. Buying in Kansas is the more affordable option based on median home prices with identical loan terms.
Based on the 28% debt-to-income rule — your monthly housing payment should not exceed 28% of gross monthly income.
To afford the median home in North Dakota, you need a household income of approximately $83K/year. In Kansas, you need $80K/year — less by $3K/year. With similar income requirements, your choice between these states can focus on lifestyle and career factors rather than pure affordability.
Home prices in Kansas and North Dakota are relatively close, with only a 12% difference ($30K). At similar price points, your decision should focus on the other cost factors: property taxes, insurance, closing costs, and the overall quality of life each state offers. Small percentage differences in tax rates compound over decades of homeownership.
North Dakota has a moderate property tax advantage at 0.98% versus Kansas's 1.41%. While the rate gap of 0.43% may seem small, it translates to an annual difference of approximately $674 when applied to each state's median home price. Over a typical homeownership period of 7-10 years, that adds up to $5K in savings.
Insurance costs favor North Dakota at $2,100/year versus $2,900/year in Kansas, a difference of $800 annually. While not the largest cost factor, this adds up to over $8K over a decade of homeownership. Shop multiple carriers in either state — actual premiums depend on your specific property, coverage level, and claims history.
Both states offer down payment assistance for first-time buyers. Kansas's KHRC First-Time Homebuyer provides Up to 4% DPA, while North Dakota's NDHFA FirstHome offers DCA up to $14,000. These programs can significantly reduce your upfront costs and make homeownership accessible even if you haven't saved a full 20% down payment. Check eligibility requirements on each state's housing finance agency website — income limits and purchase price caps apply.
The bottom line: Kansas and North Dakota are broadly similar in housing costs, with only $59/month separating them in total PITI payments. In cases like this, your decision should be driven by lifestyle preferences — job opportunities, climate, proximity to family, and quality of life — rather than pure cost savings. Either state offers a reasonable path to homeownership.