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North Dakota taxpayers can get a state tax deduction for contributing up to $5,000 (single) or $10,000 (joint) a year, generally only for the in-state plan. Here are the facts on North Dakota's direct-sold 529 plan (the one you open yourself, without an advisor).
For tax years beginning on or after January 1, 2007, an individual is allowed a deduction for making a contribution to College SAVE, the 529 savings plan administered by the Bank of North Dakota. The maximum deduction allowed in a tax year is $5,000 ($10, 000 if married filing jointly). A rollover of funds from another 529 plan into College SAVE is not eligible for the deduction.
Summary of state law from the ICI 2025 state tax survey; it may predate 2026 changes.
2026 limits and parity: Savingforcollege. Manager, fees and minimum: only when stated on the plan's homepage text we read (2026-10-12); otherwise 'not found'. Check the plan's disclosure document for exact fees.
Yes: a deduction for up to $5,000 (single) / $10,000 (joint) of contributions in 2026
No. You can use any state's plan; you may lose your state's tax break if your state doesn't offer tax parity.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.