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Structured Installment Sale Resource Center
For sellers and the professionals beside them
State Tax Center/North Dakota
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North Dakota

Reviewed July 2026
Follows federal §453
Yes
Top marginal rate
2.5% (40% CG exclusion)
Capital gains
1.5%
Withholding
No
PTE election
No
Residency-change trap
Low
Reading level

Federal §453 conformity

Yes — North Dakota starts from the federal return and taxes installment gain as payments arrive, and the numbers are the smallest of any income-tax state: a 2.5% top rate (with a large zero bracket beneath it) and a 40% exclusion of long-term capital gain, for an effective rate around 1.5%. The state tax on a business sale here is real but rarely decisive; the structure earns its keep federally.

Nonresident sourcing

Gain from North Dakota real estate or a business operating here is North Dakota income for sellers anywhere — farmland owned by out-of-state heirs being the recurring pattern — with the exclusion applying to that gain. Intangible gain generally follows the seller home.

Withholding

North Dakota imposes no closing-table withholding on nonresident real estate sellers. Pass-throughs handle nonresident owners through withholding or composite filings each recognition year — and with no PTE election available, that framework is the framework.

Selling, then moving (residency change)

North Dakota-source gain stays taxable here after a move; other gain travels with the seller, and no rule accelerates deferred gain at the border. At these rates the border question is usually inbound curiosity, not outbound planning.

Pass-through entity (PTE) tax election

North Dakota has no PTE election — one of the few income-tax states without one. The practical cost is modest given the rates involved, but multistate owners should note that North Dakota-source income offers no entity-level federal deduction path, and North Dakota residents bearing other states' PTE taxes should confirm the credit treatment.

Estate and IRD

North Dakota has no estate or inheritance tax. At death the federal rules apply — heirs pay income tax as payments arrive, with the exclusion continuing to apply to the gain component.

Planning notes

North Dakota's list is the shortest among income-tax states: confirm the exclusion applies, coordinate the entity's nonresident filings, and remember there's no PTE election to model. The structure's case here is federal.

Planning note
The lowest effective rate of any taxing state

A 2.5% top rate and a 40% long-term gain exclusion put North Dakota's effective rate near 1.5% — the state tax is real but rarely drives structure. The one gap: no PTE election exists, so the SALT workaround isn't available for North Dakota income.

Educational information, current as of the July 2026 review. State law changes; confirm treatment with a qualified advisor before structuring a transaction.

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