Richland County, North Dakota has a 2026 one-unit conforming loan limit of $832,750, which is 4.5 times the county's median home value of $183,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $75,432 (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) | $183,600 |
| North Dakota median home value | $249,900 |
| Limit ÷ median home value | 4.54× |
| Median household income | $75,432 |
| Median home value ÷ income | 2.4× |
| Population | 16,584 |
| Median property tax paid (owners) | $2,066 |
| Effective property tax rate (approx.) | 1.13% |
| Owner-occupied homes | 68.1% |
| Home value rank in North Dakota | 20 of 53 counties |
| Neighbor: Clay County, MN | limit $832,750; median home $265,500 |
| Neighbor: Traverse County, MN | limit $832,750; median home $114,100 |
| Neighbor: Wilkin County, MN | limit $832,750; median home $182,200 |
| Neighbor: Cass County, ND | limit $832,750; median home $298,000 |
| Neighbor: Ransom County, ND | limit $832,750; median home $193,000 |
| Neighbor: Sargent County, ND | limit $832,750; median home $163,200 |
| Neighbor: Marshall County, SD | limit $832,750; median home $156,500 |
| Neighbor: Roberts County, SD | limit $832,750; median home $154,500 |
Across North Dakota's 53 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Richland County's median home value is 27% below the state median of $249,900 (rank 20 of 53). Among its 8 neighboring counties, Cass County has the highest median home value ($298,000) and Traverse County the lowest ($114,100); all share the same loan limit. Owners pay a median $2,066 a year in property tax, an effective rate of about 1.13% 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: Richardson County, NE
- 2026 conforming loan limit: Richland County, IL
- 2026 conforming loan limit: Richland County, MT
- 2026 conforming loan limit: Richland County, OH
- 2026 conforming loan limit: Richland County, SC
- 2026 conforming loan limit: Richland County, WI
- 2026 conforming loan limit: Richland Parish, LA
- 2026 conforming loan limit: Richmond City, VA
Last updated 2026-10-16. Data only, not financial or tax advice.