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Sargent County Conventional Mortgage Calculator

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

Loan Details

Sargent County, ND Benchmarks

Conventional averages
Typical Property Value$186,333
Average Down Payment20.1%
Average Interest Rate6.474%
Effective Tax Rate1.10%
Median Tax Paid$1,828/yr
Tax Growth (Historical)+3.8%
Based on 30 regional loans totaling $3,180,000 (HMDA database).
$
%

$37,453 down · $148,880 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$171 / month

$

Annual premium

$

Per month

%

Not required at 20%+ down

Estimated Monthly Payment

$1,259/mo

  • Principal & Interest$938
  • Property Tax$171
  • Home Insurance$150
Amortization · Remaining Balance

Loan Amount

$148,880

Total Interest

$188,832

Total of Payments

$337,712

Local Market Insights

Sargent County Conventional Mortgage Overview

In Sargent County, the 20.11% average down payment on a Conventional loan is a strong indicator of buyer creditworthiness. This equity level typically eliminates the need for Private Mortgage Insurance (PMI), reducing monthly costs. With a median Loan-to-Value (LTV) of 79.89%, these owner-occupied buyers already hold over 20% equity. The 1.10% property tax rate, adjusted upward by 3.8% for inflation, adds roughly $171 monthly to your true affordability at the average $186,333 property value. For those using a Conventional loan with taxes in Sargent County, ND, this tax shift is a key factor in long-term budgeting.

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.