Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between North Dakota and Pennsylvania. Updated for 2026.
North Dakota wins 5 of 6 cost categories, making it the more affordable state for homebuyers overall. With a median home price of $255K and lower overall costs, North Dakota offers meaningful savings compared to Pennsylvania. 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.
Buying in North Dakota saves you approximately $203/month ($2,436/year) compared to Pennsylvania, based on median home prices with identical loan terms.
Home prices in North Dakota and Pennsylvania are relatively close, with only a 9% difference ($25K). 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 Pennsylvania's 1.36%. While the rate gap of 0.38% may seem small, it translates to an annual difference of approximately $1,309 when applied to each state's median home price. Over a typical homeownership period of 7-10 years, that adds up to $10K in savings.
Insurance costs favor Pennsylvania at $1,400/year versus $2,100/year in North Dakota, a difference of $700 annually. While not the largest cost factor, this adds up to over $7K 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. North Dakota's NDHFA FirstHome provides DCA up to $14,000, while Pennsylvania's PHFA Keystone Advantage offers Up to $6,000 DPA. 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: North Dakota and Pennsylvania are broadly similar in housing costs, with only $203/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.