Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between North Dakota and Ohio. Updated for 2026.
Metric
North Dakota
Ohio
Median Home Price
$255K
$215K
Property Tax Rate
0.98%
1.56%
Avg Closing Costs
$3K
$3K
Closing Cost %
1.1%
1.4%
Transfer Tax
None
0.4%
Homeowners Insurance
$2,100/yr
$1,400/yr
First-Time Buyer Program
NDHFA FirstHome
DCA up to $14,000
OHFA Grants for Grads
2.5% or 5% DPA
Verdict
North Dakota wins 4 of 6 cost categories, making it the more affordable state for homebuyers overall. However, Ohio 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.