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Cash-Out Refinance Rates in North Dakota

See current cash-out refinance rates in ND, estimate how much cash you could take out of your home, and compare a cash-out refinance with a HELOC or home equity loan.

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Current North Dakota Cash-Out Refinance Rates

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Rates as of November 3, 2026 · Typical North Dakota home price: $378,300 · Avg North Dakota property tax: 1.08% · Avg annual home insurance: $2,949

Cash-out refinances in North Dakota: Lower’s 30-year fixed cash-out rate today is 7.375% (7.759% APR) with 2.273 discount points, quoted at 70% of your home’s value. On a typical North Dakota home worth $378,300, that’s a new loan of about $264,810. These figures use a typical North Dakota home price: the average of the median prices in its largest cities (details at the bottom of the page). What you could borrow and pay depends on your own home’s value, what you owe and your credit.

How much equity have North Dakota homeowners gained?

+4.8%North Dakota home prices, past year
+32.1%North Dakota home prices, past 5 years
$92,000Est. equity from price growth over 5 years on a $378,300 home

North Dakota home prices rose 32.1% over the five years through the second quarter of 2026 and rose 4.8% over the past year, according to the Federal Housing Finance Agency’s House Price Index. That ranks North Dakota 7th among the 50 states and Washington, DC for price growth over the past year. If a home worth North Dakota’s typical home price of $378,300 kept pace with the index, it was worth about $286,300 five years ago. That’s about $92,000 in equity from price growth alone, before counting any mortgage payments.

A cash-out refinance is based on your home’s current appraised value, so price growth can increase how much cash you may be able to take out. It’s a statewide index, so prices in your area, and your home’s value, may have changed more or less.

How much cash could you take out in North Dakota?

A cash-out refinance replaces your mortgage with a larger loan, and you get the difference in cash. Here’s how that works out on a typical North Dakota home worth $378,300, depending on what you still owe.

Estimated cash before closing costs on a $378,300 home with a new loan at 70% of its value, by how much you still owe on your mortgage (shown as a share of the home’s value).

If you still oweCash with a new loan of $264,810 (70% of value)
20% of value ($76,000)$188,810
30% of value ($113,000)$151,810
40% of value ($151,000)$113,810
50% of value ($189,000)$75,810

With a new loan of $264,810 at 7.375% (7.759% APR), your estimated monthly housing cost would be about $2,413: $1,828 principal and interest, $339 property taxes and $246 homeowners insurance.

Try your own numbers

New loan at 70% of value: $264,810

Estimated cash before closing costs: $113,810

Estimated monthly principal and interest at 7.375% (7.759% APR): $1,828

Estimated property taxes and insurance (local North Dakota estimates): $585

Estimated total monthly housing cost: $2,413

How we got these numbers: The home value is the typical North Dakota home price (sources below). The new loan is 70% of that value, the loan-to-value Lower’s cash-out rate is quoted on. Monthly costs add local North Dakota property taxes of about 1.08% of value a year and homeowners insurance of about $2,949 a year. Borrowing more, up to the 80% limit that generally applies to a one-unit primary home, may mean a higher rate. Each estimate is the new loan amount minus what you owe, before closing costs and any discount points. A “—” means the new loan wouldn’t cover what you owe. These are examples, not an offer: your actual amount depends on your appraisal, your credit, your debt-to-income ratio and the property. See how much you can cash out on a refinance.

Cash-out refinance estimates in North Dakota’s largest cities

Home prices, property taxes and insurance vary from city to city across North Dakota. Here’s a cash-out refinance at 70% of value on a median-priced home in North Dakota’s 3 largest cities, using Movoto market trends data for September 2026.

Estimates for a median-priced home in each city, with a new loan at 70% of its value.

CityMedian home priceNew loan at 70%Principal and interestTaxes and insuranceTotal per month
Fargo$375,000$262,500$1,813$599$2,412
Bismarck$485,900$340,130$2,349$650$2,999
Minot†$274,000$191,800$1,324$491$1,815

How we got these numbers: Median prices are from Movoto market trends data for September 2026. The new loan is 70% of the city’s median price, the loan-to-value Lower’s cash-out rate is quoted on. Principal and interest is at 7.375% (7.759% APR) over 30 years. Taxes and insurance use each city’s property tax rate and homeowners insurance estimate. † Uses the North Dakota average where a city tax or insurance figure isn’t available. The cash you’d get is the new loan minus what you still owe, before closing costs.

North Dakota cash-out refinance payment examples

Estimated monthly principal and interest on a 30-year fixed cash-out refinance at today’s North Dakota rate of 7.375% (7.759% APR), by new loan amount.

Monthly principal and interest by new loan amount, at 7.375% (7.759% APR), rates as of November 3, 2026.

New loan amount30-year fixed at 7.375% (7.759% APR)
$200,000$1,381
$300,000$2,072
$400,000$2,762
$500,000$3,453

Payments don’t include property taxes, insurance or mortgage insurance. The quoted rate assumes 2.273 discount points, or about $6,819 on a $300,000 loan, paid at closing. A cash-out refinance applies the new rate to your whole balance, not just the cash you take out, so compare it with your current rate. See whether a cash-out refinance is a good idea.

Cash-out refinance basics

A cash-out refinance replaces your current mortgage with a larger loan, and you get the difference in cash at closing. The new rate applies to your whole balance and closing costs apply, so if your current rate is lower than today’s, a HELOC or home equity loan may cost less.

Learn more: how a cash-out refinance works · HELOC vs. cash-out refinance · cash-out refinance vs. home equity loan · North Dakota HELOC rates · cash-out refinance rates in every state.

Frequently Asked Questions

Can I get a cash-out refinance in North Dakota?

Yes. Lower offers cash-out refinances in North Dakota. How much cash you can take out depends on your home’s value, what you owe and your credit.

What are cash-out refinance rates in North Dakota today?

Lower’s 30-year North Dakota cash-out refinance rate as of November 3, 2026 is 7.375% (7.759% APR) with 2.273 discount points, based on a $300,000 loan at 70% of the home’s value. Your rate depends on your credit, how much of your home’s value you borrow and the property.

How much cash can I take out with a cash-out refinance in North Dakota?

Conventional cash-out refinances on a one-unit primary home generally top out at 80% of the home’s value. For example, on a $378,300 home where you owe $151,000, a new loan at 70% of the value ($264,810) would leave about $113,810 before closing costs. Lower’s quoted rate assumes a loan at 70% of value; borrowing more may mean a higher rate. Your actual amount depends on your appraisal, credit and debt-to-income ratio.

Sources: home values from Movoto market trends data for September 2026; the typical North Dakota home price of $378,300 is the average of the median sale prices in North Dakota’s 3 largest cities, rounded to the nearest $100: Fargo ($375,000), Bismarck ($485,900) and Minot ($274,000). Largest cities are by Census Bureau population estimates among cities with enough Movoto sales data; where a state has too few, the busiest markets by homes sold fill in. Property tax estimates use local effective tax rates and homeowners insurance estimates are average annual premiums, averaged across those cities; your quote will vary. Home price growth: FHFA House Price Index (purchase-only, seasonally adjusted), the second quarter of 2026. Rates: Lower, as of November 3, 2026. Examples only; not an offer of credit. Lower, LLC, NMLS #1124061.

Find Out Why North Dakota Loves Lower

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5.0

Very kind and straight forward. Kept up communication and let us know everything we needed. Highly recommend and would go through her again if we ever need to refinance again.

Charles E.

Verified Customer

September 25, 2026

5.0

Tyler was great to work with throughout the entire process. He was very responsive, knowledgeable, and always took the time to answer my questions and keep me updated. The whole refinance process was smooth and straightforward. I really appreci…ate his help and would definitely recommend him. Thank you, Tyler!

Fouad Z.

Verified Customer

August 24, 2026

5.0

TJ was the ultimate professional. She was timely, knowledgeable, extremely patient as I struggled through the process of refinancing my home. Her persistence & ongoing support was much needed & appreciated. She was reassuring reminding me to ta…ke things a step at a time . She listened to my concerns, answered my questions, never pressured me, encouraged me to make decisions based on what I needed most. I would highly recommend her to anyone.

Irma Z.

Verified Customer

October 27, 2026

5.0

Awesome experience. So thankful for this opportunity we had to get our house refinanced. Thank you Erik!!

Sarah B.

Verified Customer

September 5, 2026

5.0

Stacey is a pleasure to work with. She kept me up to date and on track for my refiannce.

Joe C.

Verified Customer

August 5, 2026

5.0

Rayma was so wonderful to work with! She was very professional, kind, and went above and beyond to provide us with information when asked, even if it meant working after hours. She answered all of our questions quickly. She was ensured every de…tail was taken care of from the beginning all the way to closing. She made this process as stress free as possible. When it is time to refinance or purchase, we will call on her again.

Jerry I.

Verified Customer

October 3, 2026

5.0

Great experience! Cindy was amazing to work with. She is very knowlegable and led us through the process. Everything flowed smothly all the way through the refi process. Would recommend her highly!

Cliff H.

Verified Customer

September 16, 2026

5.0

Mike was absolutely great to work with! He made the refinance process easy and stress-free, was very professional, responsive, and always took the time to answer my questions. I truly appreciate his help and highly recommend Mike to anyone look…ing for someone trustworthy and knowledgeable.

Kris G.

Verified Customer

September 10, 2026

5.0

Katie Lepley made refinancing our home straightforward and stress-free. The initial document collection was easy to navigate, and we completed the signing process within 30 days. Katie guided me through every step and kept me informed about th…e progress she and her team at Lower.com were making. Their communication was excellent, and the entire team was professional and highly capable. I have confidently referred several friends and family members to Katie, knowing they will be in excellent hands.

Diane P.

Verified Customer

October 9, 2026

5.0

I have worked with Ms. Bergen for the last 24 years, from buy a home to refinancing . She is wonderful, knowledgeable and has always been about our best interest. Will be looking forward to working with her again …on our retirement home. Thank you again!

David D.

Verified Customer

September 1, 2026

5.0

Katie did an amazing job helping us refinance our home almost 6 years ago. Her knowledge, professionalism and wonderful sense of humor made the process easy and stress free. The new loan made our dream of owning our home happen sooner, while s…aving money. I have and would recommend Katie to friends and family interested in buying a home for their first time or refinancing their current one.

Lynn W.

Verified Customer

October 9, 2026

5.0

Katie was wonderful to work with on this refinance she is on top of everything. Refinancing can be difficult but her commitment to making sure my experience went smoothly and with out a hiccup was great. I will use he…r again in the future for sure .

Gregory M.

Verified Customer

September 1, 2026

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