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Cass County Conventional Mortgage Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Cass County, North Dakota based on real HMDA transaction records.

Loan Details

Cass County, ND Benchmarks

Conventional averages
Typical Property Value$426,183
Average Down Payment21.2%
Average Interest Rate6.796%
Effective Tax Rate1.11%
Median Tax Paid$3,564/yr
Tax Growth (Historical)+0.2%
Based on 3,275 regional loans totaling $730,575,000 (HMDA database).
$
%

$90,351 down · $335,832 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$394 / month

$

Annual premium

$

Per month

%

Not required at 20%+ down

Estimated Monthly Payment

$2,734/mo

  • Principal & Interest$2,189
  • Property Tax$394
  • Home Insurance$150
Amortization · Remaining Balance

Loan Amount

$335,832

Total Interest

$452,343

Total of Payments

$788,175

Local Market Insights

Cass County Conventional Mortgage Overview

For Cass County conventional buyers, the 21.19% average down payment on a $426,183 property builds immediate equity, allowing most to avoid Private Mortgage Insurance (PMI) from closing. With a median 78.81% Loan-to-Value (LTV) ratio, these owner-occupants are well-positioned to cancel PMI quickly as they approach 20% equity. The 1.11% effective property tax rate, adjusted upward by only 0.2% for inflation, keeps monthly carrying costs stable. When assessing a conventional mortgage with taxes in Cass County, ND, this strong down payment and low tax growth signal a lower-risk market for primary residences.

Disclaimer: This calculator provides estimates for educational purposes only and does not constitute a loan offer or financial advice. Actual rates, taxes, insurance, and fees will vary.