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Moving from North Dakota to Montana:
Housing Cost Guide

How your housing costs change when you relocate. Based on 2026 data with 10% down, 6.5% rate, 30-year fixed.

Monthly Housing Cost Change
+$1,119/mo

Your housing costs will increase by approximately $1,119 per month ($13,428/year) when you move from North Dakota to Montana.

Side-by-Side Comparison

North DakotaMontanaChange
Median Home Price$255,000$430,000+$175K
Property Tax Rate0.98%0.74%-0.24%
Monthly Tax (on median)$208$265+$57
Insurance/yr$2,100$2,100+$0
Closing Costs$3K$6K+$4K
Transfer TaxNoneNone+0.00%
Est. Monthly PITI$1,929/mo$3,048/mo+$1,119/mo

What Your North Dakota Equity Buys in Montana

If you sell your median-priced North Dakota home ($255K) and buy in Montana ($430K):

Equity from sale (est. 30% after typical ownership)$77K
Down payment on Montana home (20%)$86K
Remaining equity after down payment$0

Your North Dakota equity falls $10K short of a 20% down payment in Montana. You may need additional savings or could consider a lower down payment with PMI.

Monthly Budget Impact

North Dakota PITI
$1,929/mo
Montana PITI
$3,048/mo
Monthly increase$1,119/mo
Annual increase$13,428/yr
10-year cost$134K

Over 10 years, this move costs you approximately $134K in housing costs alone.

Key Differences to Know

Housing costs more in Montana. The median home is 41% higher than in North Dakota — a $175K jump. You may need to adjust your expectations on square footage or location, or come with a larger down payment to keep your monthly costs manageable.

When you buy in Montana, expect about $6K in closing costs (1.5% of purchase price). Montana has no transfer tax, which helps keep your upfront costs lower. Budget for this amount on top of your down payment.

Down Payment Assistance in Montana

Montana's MBOH Regular Bond Program offers Up to $15,000 DPA. If you haven't owned a home in three years (or are buying in Montana for the first time), you may qualify. Check eligibility requirements and income limits on Montana's housing finance agency website.

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