The calculator below is pre-filled with Cass County's own property tax rate and insurance average (expand "More options" to see or edit them) — not just North Dakota's statewide figures.

Cass County at a glance

Effective property tax rate: 1.16% of home value / year
Median home price: $325,000
Homeowners insurance (avg/year): $2,330
Conforming loan limit (1-unit, 2026): $832,750

County data last updated 2026-08-28. FIPS 38017. Full source list on /methodology.

Cass County, ND mortgage payment calculator

All-in cost first, always — pre-filled with Cass County tax and insurance figures. Estimate only, not a loan quote or pre-approval.

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Related reading

Closing Costs in North Dakota: What You'll Actually Pay

North Dakota charges no transfer tax and no mortgage tax — recording a deed can cost $20. Here's what closing on a $313,885 North Dakota home really runs.

What Is PMI, and How Do You Get Rid of It?

Private mortgage insurance explained in plain English — what it costs, why it exists, the exact federal rules for cancelling it, and how to work out the month your PMI is scheduled to end.

Guides & templates

Buying a Home With Someone Else

The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.

The First-Time Buyer's Playbook: 12 Months to Closing Day

A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.

North Dakota at a glance

Median home price: $313,885
Typical closing costs: 2%–5% of price
Transfer tax: None
Closing custom: attorney
Homestead exemption: North Dakota does not have a single broad ad-valorem homestead exemption. It offers several separate property tax relief programs for owner-occupied residences: a Primary Residence Credit for owner-occupants generally, a Homestead Property Tax Credit targeted at qualifying elderly (65+) or permanently/totally disabled homeowners with limited income, and a Disabled Veteran's Property Tax Credit for veterans with a service-connected disability rating of 50% or greater (credit applied against the first $120,000 of true and full valuation, scaled to disability percentage). Specific current dollar credit amounts for the Primary Residence Credit and Homestead Property Tax Credit could not be confirmed on a live tax.nd.gov page during this research pass; homeowners should confirm current amounts directly with the ND Office of State Tax Commissioner or their county assessor. Most require annual application by February 1.

First-time buyer / down payment assistance programs

ND Housing FirstHome
North Dakota Housing Finance Agency's primary below-market-rate first mortgage for first-time homebuyers statewide (first-time requirement waived for buyers using HomeAccess or in certain other exception categories); subject to income and purchase-price limits that vary by county and household size, and commonly paired with DCA or Start down payment assistance.
ND Housing DCA / Start Down Payment Assistance
Down payment and closing cost assistance equal to 3% of the first mortgage loan amount, provided as a credit; DCA requires income qualification and a homebuyer education certificate, Start cannot be combined with other NDHFA down payment programs. Must be paired with a NDHFA first mortgage (FirstHome, HomeAccess, or North Dakota Roots).