Taxes when buying a house in North Dakota

North Dakota does not tax a home purchase or the mortgage, for the buyer or the seller.

Purchase price

State

Down payment

Loan amount: $320,000. Some states tax the mortgage, so the loan size changes the result there. Paying cash? Enter 100.

Estimated taxes when you buyNorth Dakota · Rates verified November 2026

Pay to the order ofState and county tax offices$0

Zero and 00/100 dollars

North Dakota does not tax the buyer on this purchase.

Taxes the buyer pays
Tax on the purchase	$0
Total buyer taxes	$0

Taxes only. Lender fees, title insurance, flat recording fees and prepaid property tax are separate closing costs.

What a North Dakota home buyer is taxed on

Buyer's taxes: None on the purchase or the mortgage.
Transfer tax: Nobody. North Dakota does not tax the transfer of a home.
Sales tax: None. A home is real estate, and sales tax does not apply to it.
Official source: North Dakota Office of State Tax Commissioner
Last verified: November 2026

North Dakota buyer taxes at common prices

Purchase price	Loan with 20% down	Buyer's taxes
$150,000	$120,000	$0
$250,000	$200,000	$0
$400,000	$320,000	$0
$600,000	$480,000	$0
$1,000,000	$800,000	$0

Questions North Dakota buyers ask

Do buyers pay transfer tax in North Dakota?

Nobody. North Dakota does not tax the transfer of a home.

Is there a mortgage tax in North Dakota?

No. North Dakota does not tax the recording of a mortgage. The county charges only a flat fee to record it.

Is there sales tax when you buy a house in North Dakota?

No. Sales tax applies to goods and some services, and a house is real estate, which no state taxes that way.

How much tax does a buyer pay at closing in North Dakota?

Usually none. On a $400,000 home a North Dakota buyer owes no state or local tax on the purchase itself. Closing costs still include lender fees, title insurance and prepaid property tax.

Selling in North Dakota? Use the North Dakota seller net proceeds calculator.