Golden Valley County, North Dakota has a 2026 one-unit conforming loan limit of $832,750, which is 6.7 times the county's median home value of $123,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $68,021 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $123,900 |
| North Dakota median home value | $249,900 |
| Limit ÷ median home value | 6.72× |
| Median household income | $68,021 |
| Median home value ÷ income | 1.8× |
| Population | 1,653 |
| Median property tax paid (owners) | $1,104 |
| Effective property tax rate (approx.) | 0.89% |
| Owner-occupied homes | 79.5% |
| Home value rank in North Dakota | 39 of 53 counties |
| Neighbor: Fallon County, MT | limit $832,750; median home $244,800 |
| Neighbor: Wibaux County, MT | limit $832,750; median home $98,600 |
| Neighbor: Billings County, ND | limit $832,750; median home $331,000 |
| Neighbor: Mckenzie County, ND | limit $832,750; median home $349,600 |
| Neighbor: Slope County, ND | limit $832,750; median home $170,000 |
Across North Dakota's 53 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Golden Valley County's median home value is 50% below the state median of $249,900 (rank 39 of 53). Among its 5 neighboring counties, Mckenzie County has the highest median home value ($349,600) and Wibaux County the lowest ($98,600); all share the same loan limit. Owners pay a median $1,104 a year in property tax, an effective rate of about 0.89% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Frequently asked questions
What is the conforming loan limit in Golden Valley County, North Dakota?
Golden Valley County, North Dakota has a 2026 one-unit conforming loan limit of $832,750, which is 6.7 times the county's median home value of $123,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $68,021 (FHFA; Census ACS 2020–2024).
What is the median home value in Golden Valley County, North Dakota?
The median owner-occupied home value in Golden Valley County is $123,900 (ACS 2020–2024), versus $249,900 statewide.
Do I need a jumbo loan in Golden Valley County?
Only if your loan amount exceeds $832,750 for a one-unit home; the county median home value is $123,900, so the cap is 6.72 times the typical home value.
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Last updated Oct 20, 2026, 10:03 PM ET. Data only, not financial or tax advice.
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