United States · Transfer Tax
North Dakota charges no real estate transfer tax. The state's oil-boom-era housing markets in the west and the calmer east both record deeds tax-free, with closing costs limited to recording fees and title insurance — typically under $400 on a $300,000 home. North Dakota's property tax is moderate and its overall cost of living is low, which makes it one of the cheapest states to buy and hold, with the caveat that resale liquidity outside Fargo and Bismarck is thin.
Preset rates are indicative reference values only. Confirm current rates and any reliefs with your local tax authority.
Jurisdiction comparison at $300,000.00
North Dakota pays $0.00 (0%) vs North Dakota at $0.00 (0%).
No state transfer tax; recording fees and title insurance only. Bands below are the standard residential buyer schedule used by the calculator.
| Property value | Rate |
|---|---|
| All values | Flat 0% of the full value |
Indicative figures compiled August 2026 — official source: North Dakota Office of State Tax Commissioner. Rates are typically indexed or revised each financial year.
A USD 300,000.00 purchase in North Dakota attracts about USD 0.00 in transfer tax at the standard indicative rates — an effective rate of 0%. Recording fees run $30–80; title insurance is standard. That makes the all-in cash requirement USD 300,000.00 before you factor in any deposit, legal work, or moving costs. Adjust the price in the calculator to model your own number.
No state transfer tax; recording fees and title insurance only. Rates change with legislation and vary by buyer circumstances, so treat these as planning figures and confirm the current rate with North Dakota Office of State Tax Commissioner before you commit.
At the indicative rates above, a USD 300,000.00 property attracts about USD 0.00 in transfer tax — an effective rate of 0%. Recording fees run $30–80; title insurance is standard.. The calculator above lets you change the price and see the result instantly.
There is no general first-time buyer exemption in North Dakota at the standard indicative rates. No state transfer tax. Check current eligibility rules with North Dakota Office of State Tax Commissioner.
The buyer pays the tax in essentially every case in this market. It is payable in full before or at settlement and cannot normally be added to a mortgage, so it must be part of your cash budget alongside the deposit.
How we calculate: the calculator applies the official band schedule marginally — each rate applies only to the slice of the price inside its band, exactly as the revenue authority does. Worked examples are computed with the same function.
Last reviewed: . Learn more about Nirmal Lashkari and LashkariProperties.
Disclaimer: transfer tax rates change with legislation and vary by buyer circumstances. These are indicative planning figures, not tax advice — confirm every number with North Dakota Office of State Tax Commissioner or a qualified local professional.
