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Stutsman County Conventional Mortgage Calculator

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

Loan Details

Stutsman County, ND Benchmarks

Conventional averages
Typical Property Value$268,481
Average Down Payment23.2%
Average Interest Rate6.986%
Effective Tax Rate1.02%
Median Tax Paid$2,289/yr
Tax Growth (Historical)+1.3%
Based on 270 regional loans totaling $35,290,000 (HMDA database).
$
%

$62,288 down · $206,193 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$228 / month

$

Annual premium

$

Per month

%

Not required at 20%+ down

Estimated Monthly Payment

$1,749/mo

  • Principal & Interest$1,370
  • Property Tax$228
  • Home Insurance$150
Amortization · Remaining Balance

Loan Amount

$206,193

Total Interest

$287,160

Total of Payments

$493,353

Local Market Insights

Stutsman County Conventional Mortgage Overview

In Stutsman County, the 23.23% average down payment on a Conventional loan significantly reduces risk. With a 76.77% loan-to-value (LTV) ratio, buyers already have over 20% equity, avoiding Private Mortgage Insurance (PMI) from day one. This strong equity position, paired with a 100% primary occupancy rate, reflects stable, owner-occupied demand. The effective property tax rate of 1.02% with a 1.3% inflation-adjusted increase adds roughly $35 monthly to a $268,481 property, slightly raising true affordability costs. For those exploring a conventional loan with taxes in Stutsman County, ND, this data confirms a market favoring well-capitalized buyers.

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.