North Dakota VA Loans
Whether you receive PCS orders to relocate to North Dakota or are already a resident, purchasing a home can be a great financial move. Using a VA loan in North Dakota has many benefits for seasoned and first-time homebuyers alike.
With the average listing price of a home in North Dakota landing at $277,872, the VA loan’s signature $0-money-down benefit is a considerable advantage for North Dakota homebuyers.
See also: VA Loan Options for Other States
How to get a VA Loan in North Dakota
VA loans are made by private lenders and guaranteed by the Department of Veterans Affairs. Because private lenders make the loans and not the VA, you need to find a lender licensed in the state you plan to purchase or refinance.
For example, if you're purchasing a home in Bismarck, ND, you'll need to find a lender licensed in North Dakota to do the loan.
Other Considerations for Getting a VA Loan in North Dakota
VA borrowers in North Dakota should also consider the cost and impact of VA loan limits and property taxes when making their home purchase.
North Dakota VA Loan Limits
VA borrowers in North Dakota with their VA loan entitlement are not restricted by VA loan limits. This means you can borrow as much as a lender is willing to lend without needing a down payment.
However, Veterans without their full VA loan entitlement are still bound to North Dakota’s VA loan limits.
As of January 1, 2025, VA loan limits for all counties in North Dakota are $806,500.
Property Taxes in North Dakota
Another consideration for VA buyers in North Dakota is property taxes. For certain VA buyers, there are exemptions.
You may be eligible for a property tax exemption in North Dakota if you meet one of the following conditions:
- A paraplegic disabled veteran may receive an exemption for the first $120,000 on their residence or if the veteran has been awarded specially adapted housing
- A disabled veteran with a rating of 30 percent or greater may receive an exemption against the first $36,000 of the taxable valuation
If you are required to pay property tax in North Dakota, the American Community Survey by the U.S. Census Bureau estimates you may pay the following in each county:
| County | Property Tax Rate |
|---|---|
| Adams | 0.77% |
| Barnes | 1.03% |
| Benson | 0.82% |
| Billings | 0.46% |
| Bottineau | 0.72% |
| Bowman | 0.70% |
| Burke | 0.59% |
| Burleigh | 0.90% |
| Cass | 1.26% |
| Cavalier | 0.90% |
| Dickey | 1.17% |
| Divide | 0.48% |
| Dunn | 0.55% |
| Eddy | 1.00% |
| Emmons | 0.90% |
| Foster | 0.99% |
| Golden Valley | 0.63% |
| Grand Forks | 1.23% |
| Grant | 0.87% |
| Griggs | 1.11% |
| Hettinger | 0.79% |
| Kidder | 0.56% |
| LaMoure | 0.90% |
| Logan | 0.92% |
| McHenry | 0.66% |
| McIntosh | 0.88% |
| McKenzie | 0.55% |
| McLean | 0.70% |
| Mercer | 0.81% |
| Morton | 1.04% |
| Mountrail | 0.62% |
| Nelson | 0.73% |
| Oliver | 0.68% |
| Pembina | 1.14% |
| Pierce | 1.08% |
| Ramsey | 0.90% |
| Ransom | 1.09% |
| Renville | 0.70% |
| Richland | 1.26% |
| Rolette | 1.03% |
| Sargent | 1.26% |
| Sheridan | 0.64% |
| Sioux | 0.37% |
| Slope | 0.43% |
| Stark | 0.81% |
| Steele | 1.17% |
| Stutsman | 1.19% |
| Towner | 0.94% |
| Traill | 0.92% |
| Walsh | 1.04% |
| Ward | 0.94% |
| Wells | 1.04% |
| Williams | 0.70% |
How VA Loans Work in North Dakota
View the graphic below to learn more about how VA loans work in North Dakota.
