North Dakota transfer tax
North Dakota has no real estate transfer tax. Neither the buyer nor the seller pays a tax on the deed. Recording fees still apply.
Below is what a North Dakota seller and buyer pay at closing instead. The calculator uses North Dakota rates. Rates checked 2026-09-29.
Free North Dakota seller net sheet calculator
Change any number and the local costs update.
| Real estate commission (5%) | −$13,250 |
| First mortgage payoff | −$160,000 |
| Release / satisfaction recording | −$20 |
| Title insurance and settlement | −$1,211 |
| Other closing fees | −$40 |
| Estimated net to seller | $90,479 |
What do North Dakota sellers pay instead of a transfer tax?
A North Dakota seller pays about $1,271 before commission on a $265,000 home. With no transfer tax, it is mostly title, settlement and recording:
| Cost | Seller |
|---|---|
| Owner's title insurance policy | $961 |
| Settlement / closing fee | $250 |
| Release / satisfaction recording | $20 |
| Wire / courier / payoff processing | $40 |
Checked 2026-09-29. These are estimates, not tax advice. The title or escrow company confirms the final figures.
North Dakota transfer tax questions
Does North Dakota have a transfer tax?
No. North Dakota does not charge a real estate transfer tax on deeds. There is none at the state, county or city level.
What do sellers pay instead in North Dakota?
About $1,271 before commission on a $265,000 home. That covers the owner's title policy where the seller pays it by custom, a share of the settlement fee and recording the payoff release. Commission and the property tax proration come on top.
What does a buyer pay at closing in North Dakota?
About $4,950 on a $265,000 home with 20% down. That covers lender fees, the lender's title policy and recording. Prepaids and the down payment come on top.
Run a North Dakota seller net sheet.
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