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Homestead Exemption Laws in North Dakota

North Dakota protects a homestead up to $150,000 in value over and above liens, with no acreage limit stated in the statute.

Last checked . General information, not legal advice.

North Dakota at a glance

Exemption amount
$150,000
Measured over and above liens and encumbrances on the home.
Unlimited in value
No
Acreage limit
No acreage limit
The homestead is the land and dwelling where the claimant resides; separate lots must be contiguous.

Sources

Last checked

The rules in North Dakota

How much home equity does the homestead exemption protect in North Dakota?

Exemption amount in North Dakota: $150,000. Measured over and above liens and encumbrances on the home.

Is the homestead exemption unlimited in value in North Dakota?

No. Unlimited in value in North Dakota: no.

Is there an acreage limit on the homestead exemption in North Dakota?

Acreage limit in North Dakota: No acreage limit. The homestead is the land and dwelling where the claimant resides; separate lots must be contiguous.

Where do the North Dakota homestead exemption laws come from?

The rules above come from N.D. Cent. Code 47-18-01. Each source is linked on this page. We last checked them in October 2026.

What this means in practice

The exemption applies to equity, not to the full value of the home. Equity is the market value minus the mortgages and other liens on the property. A lender that holds a mortgage on the home, and certain other claims such as taxes on the property, can usually still be enforced against it regardless of the exemption.

Check whether you need to take a step to claim the protection. Some states protect a home automatically once it is your residence, while others require you to record a homestead declaration with the county or to claim the exemption in court when a creditor tries to collect.

In bankruptcy, federal law can limit a state homestead exemption for a home bought within a set period before the filing, and residency rules decide which state's exemptions apply if you moved recently. Some states also let filers choose the federal bankruptcy exemptions instead of the state list. A bankruptcy attorney can confirm which rules apply to your situation.

General information, not legal advice. Laws change, and cities can add their own rules, so check the current statute before you rely on it.