Mercer County, North Dakota has a 2026 one-unit conforming loan limit of $832,750, which is 4.2 times the county's median home value of $198,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $80,946 (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) | $198,500 |
| North Dakota median home value | $249,900 |
| Limit ÷ median home value | 4.20× |
| Median household income | $80,946 |
| Median home value ÷ income | 2.5× |
| Population | 8,337 |
| Median property tax paid (owners) | $2,184 |
| Effective property tax rate (approx.) | 1.10% |
| Owner-occupied homes | 81.1% |
| Home value rank in North Dakota | 17 of 53 counties |
| Neighbor: Dunn County, ND | limit $832,750; median home $275,000 |
| Neighbor: Mclean County, ND | limit $832,750; median home $227,100 |
| Neighbor: Morton County, ND | limit $832,750; median home $263,900 |
| Neighbor: Oliver County, ND | limit $832,750; median home $215,700 |
| Neighbor: Stark County, ND | limit $832,750; median home $271,700 |
Across North Dakota's 53 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Mercer County's median home value is 21% below the state median of $249,900 (rank 17 of 53). Among its 5 neighboring counties, Dunn County has the highest median home value ($275,000) and Oliver County the lowest ($215,700); all share the same loan limit. Owners pay a median $2,184 a year in property tax, an effective rate of about 1.10% 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.
Related
- 2026 conforming loan limit: Mercer County, IL
- 2026 conforming loan limit: Mercer County, KY
- 2026 conforming loan limit: Mercer County, MO
- 2026 conforming loan limit: Mercer County, NJ
- 2026 conforming loan limit: Mercer County, OH
- 2026 conforming loan limit: Mercer County, PA
- 2026 conforming loan limit: Mercer County, WV
- 2026 conforming loan limit: Meriwether County, GA
Last updated 2026-10-16. Data only, not financial or tax advice.