Closing Costs in North Dakota
By Ziv Shay | Updated April 2026
Calculate exactly what buyers and sellers pay in closing costs in North Dakota. Updated for 2026 with state-specific transfer taxes, fees, and requirements.
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Closing Costs in North Dakota: What You Need to Know
North Dakota Transfer Tax
North Dakota does not charge a state-level transfer tax on real estate transactions. This is a significant advantage for both buyers and sellers compared to states with high transfer taxes.
Average Closing Costs in North Dakota
The average buyer closing costs in North Dakota are approximately 1.91% of the home purchase price. On a median-priced home of $350,000, buyers can expect to pay around $6,685 in closing costs, plus their down payment. This is near or below the national average, making North Dakota relatively affordable for real estate transactions.
Attorney Requirements
North Dakota does not require an attorney at real estate closings. Transactions are typically handled by title companies or escrow agents. While not required, many buyers and sellers in North Dakota still choose to hire an attorney for added legal protection, especially in complex transactions.
Tips for Reducing Closing Costs in North Dakota
- North Dakota has no state transfer tax, which can save buyers and sellers thousands compared to high-tax states.
- North Dakota does not require an attorney at closing. You can use a title company or escrow agent, which may save on fees.
- North Dakota has some of the lowest closing costs in the nation at 1.91% of the home price.
- Close at the end of the month to minimize prepaid interest charges. You only pay interest from closing day through month end.
Frequently Asked Questions About North Dakota Closing Costs
Average closing costs for buyers in North Dakota are approximately 1.91% of the home purchase price. On a $350,000 home, that's about $6,685 in buyer closing costs. Seller costs are higher, typically 6-10% of the sale price due to agent commissions.
No, North Dakota does not require an attorney at closing. You can use a title company or escrow agent to handle the closing process. However, hiring an attorney is still recommended for complex transactions.
North Dakota does not charge a state transfer tax on real estate transactions. This can save buyers and sellers thousands of dollars compared to high-tax states. However, some local municipalities may charge their own transfer fees.
To reduce closing costs in North Dakota: shop at least 3 lenders and compare Loan Estimates, negotiate seller credits (especially in a buyer's market), compare title insurance quotes from multiple providers, close at the end of the month to minimize prepaid interest, and ask about lender credits in exchange for a slightly higher interest rate.
Compare North Dakota With Neighboring States
| State | Transfer Tax | Avg Closing % | Attorney Req. |
|---|---|---|---|
| North Dakota | 0.00% | 1.91% | No |
| Minnesota | 0.33% | 2.36% | No |
| South Dakota | 0.10% | 1.97% | No |
| Montana | 0.00% | 1.95% | No |
