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Pembina County Conventional Mortgage Calculator

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

Loan Details

Pembina County, ND Benchmarks

Conventional averages
Typical Property Value$238,488
Average Down Payment17.9%
Average Interest Rate6.665%
Effective Tax Rate0.82%
Median Tax Paid$1,205/yr
Tax Growth (Historical)+0.3%
Based on 43 regional loans totaling $7,165,000 (HMDA database).
$
%

$42,689 down · $195,799 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$163 / month

$

Annual premium

$

Per month

%

$82 / month

Estimated Monthly Payment

$1,654/mo

  • Principal & Interest$1,260
  • Property Tax$163
  • Home Insurance$150
  • PMI$82
Amortization · Remaining Balance

Loan Amount

$195,799

Total Interest

$257,640

Total of Payments

$453,439

Local Market Insights

Pembina County Conventional Mortgage Overview

In Pembina County, the 17.94% average down payment for Conventional loans signals strong buyer credit and equity. With a median 82.06% loan-to-value (LTV) ratio, most borrowers are within striking distance of 20% equity to cancel Private Mortgage Insurance (PMI). The effective property tax rate of 0.82% is modest, but the 0.3% inflation-adjusted tax shift adds slight upward pressure on monthly affordability. For those using a Conventional loan with taxes in Pembina County, ND, this data confirms a stable, owner-occupied market where avoiding PMI is a realistic goal. The weighted average down payment for a Conventional loan in Pembina County, North Dakota, reflects disciplined local borrowing habits.

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.