The state of North Dakota outlined with the state flag overlaid on top of it

North Dakota

VA Loans in North Dakota

The VA Loan is one of the most powerful tools available exclusively for military families and veterans. In North Dakota, veterans and active-duty military have been taking advantage of the benefits of the VA Loan in cities such as Fargo, Bismarck, Grand Forks, Minot, and West Fargo.

The cost of homes across the United States has been steadily increasing in recent years. With a $0 down payment requirement, no PMI, lower interest rates, and a more relaxed credit score requirement, the VA Loan is making home ownership a reality for more military families and veterans in North Dakota now than ever before.

Median Sale Price of Homes in North Dakota*





Grand Forks




West Fargo


North Dakota Statewide Average


*Data pulled from Zillow (April 2024)


Property Taxes in North Dakota

North Dakota has a relatively low property tax rate compared to the national average. The average effective property tax rate in North Dakota is 0.99%, while the national average is 1.07%. Property tax bills are typically mailed out in December and are due by February 15 of the following year. North Dakota offers several property tax relief programs, including exemptions for the elderly, disabled veterans, and low-income homeowners.

VA Disability in North Dakota

Disabled veterans in North Dakota may qualify for various property tax exemptions depending on their disability rating:

  • Veterans with a service-connected disability rating of 100% are exempt from property taxes on their primary residence.
  • Veterans with a disability rating of 50% or higher may be eligible for a partial property tax exemption, reducing their tax burden based on the percentage of their disability.

Additionally, unremarried surviving spouses of qualifying veterans may also be eligible for these property tax exemptions. To apply, eligible veterans and their families should contact their local county tax assessor’s office for specific details and application procedures.

Insurance Programs in North Dakota

North Dakota homeowners should consider comprehensive insurance coverage due to the state's susceptibility to severe weather conditions such as tornadoes, blizzards, and flooding. Flood insurance is particularly important for properties located near rivers or in low-lying areas, given the risk of spring flooding. Homeowners should also consider insurance policies that cover wind and hail damage, common in North Dakota’s severe storms.

Consulting with a licensed insurance company can help ensure you get the best coverage for your specific needs and location.

Military Presence in North Dakota

North Dakota hosts several important military installations, which play a vital role in supporting both the local community and national defense:

  • Minot Air Force Base: Located near Minot, this base is home to the 5th Bomb Wing and the 91st Missile Wing, both critical components of the United States' strategic defense.
  • Grand Forks Air Force Base: This base is situated near Grand Forks and hosts the 319th Reconnaissance Wing, focusing on unmanned aerial vehicle operations.
  • Army National Guard: With facilities across the state, the North Dakota Army National Guard provides critical support and training for both state and national missions.

These installations not only contribute to national security but also significantly impact the local economies and communities they are a part of.

VA Home Loan Volume in 2021 in North Dakota*

Total Loans


Average Loan Amount


Total Loan Amount (ALL)


Total Purchase Loans


Total Purchase Loans %


Total IRRRL Loans


Total IRRRL Loans %


Total Cash-Out Loans


Total Cash-Out Loans %


*Data pulled from the Department of Veterans Affairs (April 2022)

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FAQ’s about VA Loans in North Dakota

How do I buy a house in North Dakota? The best way to get started is to give us a call or fill out this form to get started!

How do I find more information about property taxes and exemptions for veterans in North Dakota? Click here to read more details regarding major property tax exemptions in every state.

What are the average interest rates in North Dakota? Interest rates for VA Loans are often lower than the national average rates for conventional loans. Click here to learn more about interest rates.