Nebraska vs North Dakota: Mortgage & Housing Costs
Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Nebraska and North Dakota. Updated for 2026.
Metric
Nebraska
North Dakota
Median Home Price
$245K
$255K
Property Tax Rate
1.73%
0.98%
Avg Closing Costs
$3K
$3K
Closing Cost %
1.3%
1.1%
Transfer Tax
0.23%
None
Homeowners Insurance
$2,800/yr
$2,100/yr
First-Time Buyer Program
NIFA Homebuyer Assistance
Up to 5% DPA
NDHFA FirstHome
DCA up to $14,000
Verdict
North Dakota wins 5 of 6 cost categories, making it the more affordable state for homebuyers overall. However, Nebraska 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.