Mortgage Interest Deduction in North Dakota
State income tax rate
2.5%
Itemized deductions allowed
✅ Yes
State-Level Mortgage Interest Deduction
North Dakota has a low top rate of 2.5% and conforms to federal itemized deductions. Mortgage interest is deductible on state returns.
Combined Federal + North Dakota Savings
If you paid $18,000 in mortgage interest last year and itemize on both returns, your combined tax savings would be approximately:
- Federal (22% bracket): $3,960
- North Dakota (2.5% rate): $450
- Total estimated savings: $4,410
These are estimates based on a 22% federal bracket. Your actual savings depend on your specific tax situation.