Highest FHA limit in North Dakota
$541,287
In 2026, FHA one-unit limits in North Dakota range from $541,287 to $541,287 (Adams County). 53 of 53 counties use the national floor.
53 of 53counties at the $541,287 floor
All North Dakota counties
| County | 1 unit | 2 units | 4 units | Conforming |
|---|---|---|---|---|
| Adams County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Barnes County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Benson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Billings County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Bottineau County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Bowman County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Burke County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Burleigh County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cass County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cavalier County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Dickey County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Divide County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Dunn County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Eddy County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Emmons County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Foster County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Golden Valley County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Grand Forks County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Grant County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Griggs County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hettinger County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Kidder County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| LaMoure County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Logan County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| McHenry County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| McIntosh County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| McKenzie County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| McLean County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Mercer County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Morton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Mountrail County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Nelson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Oliver County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Pembina County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Pierce County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Ramsey County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Ransom County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Renville County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Richland County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Rolette County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Sargent County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Sheridan County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Sioux County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Slope County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Stark County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Steele County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Stutsman County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Towner County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Traill County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Walsh County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Ward County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wells County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Williams County | $541,287 | $693,050 | $1,041,125 | $832,750 |
Sources: HUD FHA forward mortgage limits CY2026 (CHUMS file, case numbers assigned on or after Jan 1, 2026); FHFA 2026 conforming loan limits; Freddie Mac PMMS 30-year average 7.40% (week of 2026-10-15) for payment examples, which cover principal and interest only, before FHA mortgage insurance, taxes and insurance. Not lending advice.
Frequently asked questions
What is the FHA loan limit in North Dakota for 2026?
In 2026, FHA one-unit limits in North Dakota range from $541,287 to $541,287 (Adams County). 53 of 53 counties use the national floor.
What is the FHA floor for 2026?
$541,287 for a one-unit home. The high-cost ceiling is $1,249,125.