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Dickey County Conventional Mortgage Calculator

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

Loan Details

Dickey County, ND Benchmarks

Conventional averages
Typical Property Value$221,964
Average Down Payment22.6%
Average Interest Rate6.823%
Effective Tax Rate0.90%
Median Tax Paid$1,488/yr
Tax Growth (Historical)-6.1%
Based on 56 regional loans totaling $8,370,000 (HMDA database).
$
%

$50,164 down · $171,800 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$166 / month

$

Annual premium

$

Per month

%

Not required at 20%+ down

Estimated Monthly Payment

$1,439/mo

  • Principal & Interest$1,122
  • Property Tax$166
  • Home Insurance$150
Amortization · Remaining Balance

Loan Amount

$171,800

Total Interest

$232,227

Total of Payments

$404,027

Local Market Insights

Dickey County Conventional Mortgage Overview

Dickey County conventional buyers are demonstrating strong financial footing, with a 22.58% average down payment and a 77.42% loan-to-value ratio. This equity position typically eliminates the need for private mortgage insurance (PMI), reducing monthly costs. With a 6.823% average rate on a $221,964 property, the effective 0.90% property tax rate adds modest monthly expense. Notably, inflation-adjusted taxes dropped 6.1%, improving true affordability. For those using a conventional loan with taxes in Dickey County, ND, this data suggests buyers are well-capitalized, often avoiding PMI entirely. This Dickey County average down payment profile reflects prudent, owner-occupied purchasing.

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.