North Dakota has no real estate transfer tax, does not require an attorney at closing and requires a seller disclosure form. It forecloses through the courts and is not a community property state.
North Dakota in short
Is there a real estate transfer tax in North Dakota?
North Dakota has no real estate transfer tax: Title 57 of the Century Code has no chapter on one and the Tax Commissioner's list of state taxes shows none.
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What closing costs does North Dakota law set?
North Dakota has no official typical closing-cost total. It has no transfer tax and the county recorder charges $20 to record a deed or mortgage of one to six pages.
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How is property tax calculated in North Dakota?
A North Dakota home is taxed on 4.5% of its true and full value (50% assessed value times a 9% residential factor), and Cass County, which includes Fargo, averaged 292.90 mills for 2025.
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What is the deadline to appeal a property tax assessment in North Dakota?
In North Dakota, ask the assessor for an informal review, then appeal formally to the city board of equalization, which meets in the first 15 days of April, and then the county board of equalization, which meets in the first 10 days of June.
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Do you need a real estate attorney to close in North Dakota?
The North Dakota statutes read do not require an attorney to close a home sale. The Insurance Department says title insurance agents may also hold money in escrow and perform closing services for an additional fee.
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What must a home seller disclose in North Dakota?
A North Dakota seller of a home with no more than four units must give the buyer a written disclosure of material facts before final acceptance of the purchase agreement (N.D.C.C. 47-10-02.1). Since August 1, 2025, a separate radon disclosure is also required.
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How does foreclosure work in North Dakota?
North Dakota foreclosures are judicial: the lender must sue in district court after giving written notice 30 to 90 days before the suit, and the owner has 30 days to cure.
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What first-time home buyer programs does North Dakota offer?
In North Dakota, the North Dakota Housing Finance Agency (NDHFA) lets a household of three or more earn up to $121,590 on its FirstHome loan and buy an existing single-family home priced up to $500,000.
North Dakota guides
- Closing costs in North Dakota: what buyers and sellers pay
- North Dakota transfer tax: none, but a sale price is recorded
- North Dakota property tax: rates, credits and appeals
- Seller disclosure requirements in North Dakota
- Do you need a real estate attorney to close in North Dakota?
- Foreclosure process in North Dakota
- Home prices in North Dakota and Fargo: median value, trend
- First-time home buyer programs in North Dakota and Fargo
- How to verify a real estate license in North Dakota