Pembina County, North Dakota has a 2026 one-unit conforming loan limit of $832,750, which is 7.0 times the county's median home value of $119,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $68,393 (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) | $119,200 |
| North Dakota median home value | $249,900 |
| Limit ÷ median home value | 6.99× |
| Median household income | $68,393 |
| Median home value ÷ income | 1.7× |
| Population | 6,727 |
| Median property tax paid (owners) | $1,205 |
| Effective property tax rate (approx.) | 1.01% |
| Owner-occupied homes | 74.6% |
| Home value rank in North Dakota | 41 of 53 counties |
| Neighbor: Kittson County, MN | limit $832,750; median home $134,800 |
| Neighbor: Marshall County, MN | limit $832,750; median home $164,500 |
| Neighbor: Cavalier County, ND | limit $832,750; median home $125,800 |
| Neighbor: Walsh County, ND | limit $832,750; median home $132,700 |
Across North Dakota's 53 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Pembina County's median home value is 52% below the state median of $249,900 (rank 41 of 53). Among its 4 neighboring counties, Marshall County has the highest median home value ($164,500) and Cavalier County the lowest ($125,800); all share the same loan limit. Owners pay a median $1,205 a year in property tax, an effective rate of about 1.01% 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
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Last updated 2026-10-16. Data only, not financial or tax advice.