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N.D. (NewsDakota.com) – SmartAsset has ranked the most affordable places to live in North Dakota.

“There’s a lot more to home affordability than the price a homebuyer agrees to pay the seller,” the website states. “o find the most affordable places to buy a home, SmartAsset took a holistic approach, considering closing costs, real estate taxes, homeowners insurance and mortgage rates in our analysis.”

SmartAsset also found the total cost over five years for four different expenses: closing costs, taxes, insurance, and mortgage payments.

Valley City topped the list with the affordability index equaling 42.43. Williston, Wahpeton, Devils Lake and Jamestown round out the top five.

You can view the full study and more here.