North Dakota program
North Dakota route through North Dakota Office of State Tax Commissioner. This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.
Open questions
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This is not a purchase mortgage or cash-at-closing path. It is annual statewide property-tax relief for owner-occupants who apply on time.
Decision-ready public facts
Quick answer from published facts. Use this first, then jump to Go to North Dakota program hub if you need the wider state context.
A statewide annual property-tax credit of up to $1,600 against the homeowner's property-tax obligation.
Property tax credit
No loan repayment is described because this is a state property-tax credit rather than a loan. Eligible homeowners apply each year and receive the credit against their property-tax bill when approved.
Not required
Program guide
This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.
North Dakota homeowners who own and live in the home as their primary residence, Households with a house, mobile home, town home, duplex, or condo in North Dakota, Homeowners with homes held in trusts because the page says trust-held homes also qualify, Only one applying household per primary residence credit
A statewide annual property-tax credit of up to $1,600 against the homeowner's property-tax obligation.
No loan repayment is described because this is a state property-tax credit rather than a loan. Eligible homeowners apply each year and receive the credit against their property-tax bill when approved.
Apply through the North Dakota Office of State Tax Commissioner's annual Primary Residence Credit process between January 1 and April 1, and use NDTap to verify application status.
The official Primary Residence Credit page says approved North Dakota homeowners may receive up to $1,600 against their property-tax obligation, that there are no age restrictions or income limitations, that homes held in trusts also qualify, and that only one primary residence credit is available per household. The page says the annual application window runs from January 1 through April 1.
2026-04-19
annual application window January 1 through April 1
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Comparison preview
Amount: A statewide annual property-tax credit of up to $1,600 against the homeowner's property-tax obligation.
Repayment: No loan repayment is described because this is a state property-tax credit rather than a loan. Eligible homeowners apply each year and receive the credit against their property-tax bill when approved.
First-time buyer: Not required
Risk checks preview
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Lender questions preview
Action checklist preview
Paid research preview
Paid research already tracks city and county programs, employer-assisted paths, specialty and conditional paths for North Dakota.
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Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.
2 tracked
City and county down payment or closing-cost programs that never make it into the free statewide layer.
1 tracked
Employer-linked housing incentives and workforce programs that matter only if they fit your job or agency.
1 tracked
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