Mortgage Refinance Rates in Williams County, North Dakota (2026)
Refinance math for Williams County: at an estimated $246,000 value with a $167,000 balance, moving from ~7.50% to 6.25% saves about $139 monthly — and you may be able to tap up to $29,800 in equity.
Williams County rate-and-term refinance
On a representative $167,000 loan in Williams County, the before-and-after looks like this:
| Principal & Interest | Monthly |
|---|---|
| Now, around 7.50% | $1,168 |
| New rate near 6.25% | $1,028 |
| Monthly difference | $139 |
Figures assume a 30-year term and North Dakota escrows — your actual numbers move with your credit and loan size. Get alerts when rates drop.
Williams County refinance by loan size
The larger your balance, the more a rate drop returns — three Williams County examples:
| Balance | Now (~7.50%) | Refi (~6.25%) | Monthly Saved |
|---|---|---|---|
| $117,000 | $818 | $720 | $98 |
| $167,000 | $1,168 | $1,028 | $139 |
| $225,000 | $1,573 | $1,385 | $188 |
Williams County payment by interest rate
Payments on a $167,000 loan near Williams County at several rates — a small rate move is real money:
| Rate | 30-yr P&I | 15-yr P&I |
|---|---|---|
| 5.50% | $948 | $1,365 |
| 5.75% | $975 | $1,387 |
| 6.00% | $1,001 | $1,409 |
| 6.25% | $1,028 | $1,432 |
| 6.50% | $1,056 | $1,455 |
| 6.75% | $1,083 | $1,478 |
| 7.00% | $1,111 | $1,501 |
A 15-year refinance of $167,000 near Williams County runs about $1,432/month versus $1,028 on a 30-year — a higher payment near Williams County but far less total interest over the life of the Williams County loan.
Williams County cash-out options
Need cash for a project near Williams County? An 80%-LTV cash-out refinance frees up about $29,800 of your Williams County equity in a single new loan.
| Cash-Out Figure | Amount |
|---|---|
| Home value today | $246,000 |
| Remaining mortgage | $167,000 |
| Conventional 80% cap | $196,800 |
| Equity you can access | $29,800 |
In Williams County, North Dakota, property taxes average roughly 0.98% of value, so escrow on a $246,000 home adds about $201/month beyond principal and interest. A $167,000 balance sits near 68% loan-to-value, leaving about $79,000 in equity — room for a rate-and-term refinance now and a cash-out later around Williams County.
Conforming & jumbo limits in Williams County
The 2026 conforming ceiling in Williams County is $806,500, the standard baseline. Above it, expect jumbo pricing and tighter underwriting.
- Williams County value about $246,000 with a $167,000 balance (~68% LTV).
- Monthly savings near $139; break-even around month 30 on $4,175 of costs.
- Five-year net of about $4,191 and cash-out room near $29,800.
- Conforming limit $806,500; current equity roughly $79,000 near Williams County.
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Frequently Asked Questions
- What could a refinance save me in Williams County?
- On a typical $167,000 balance, moving from about 7.50% to 6.25% saves roughly $139/month in principal and interest. Your savings depend on your current rate, balance, and term.
- What is my cash-out limit in Williams County?
- Conventional cash-out refinances are capped at 80% of appraised value. On an estimated $246,000 Williams County home with a $167,000 balance, that is about $29,800 in available cash.
- When does a Williams County refinance turn jumbo?
- The 2026 conforming limit is $806,500 for a one-unit home (the national baseline). Refinances above that are jumbo loans.
- How fast do I break even in Williams County?
- Divide your closing costs (about $4,175 here) by your monthly savings. In this example you break even near month 30 — refinance only if you will keep the home past that.
- How much equity is in a typical Williams County-area home?
- On an estimated $246,000 value with a $167,000 balance, that is about $79,000 in equity — roughly 32%. A conventional cash-out requires you to keep 20%.
- Is now a good time to refinance in Williams County?
- A common rule of thumb: refinance when you can cut your rate by about 0.75 to 1% and stay past your break-even (near month 30 here). On a $167,000 Williams County balance, that move is worth roughly $139 a month.