North Dakota Mortgage Guide 2026
Compare 2026 FHA and conforming loan limits across all 53 counties in North Dakota. FHA limits in this state range from $541,287 to $541,287, while conforming limits range from $832,750 to $832,750.
2026 Loan Limits by County in North Dakota
| # | County | FHA Limit (1-Unit) | Conforming Limit (1-Unit) | Median Home Value |
|---|---|---|---|---|
| 1 | Adams County | $541,287 | $832,750 | $113,200 |
| 2 | Barnes County | $541,287 | $832,750 | $173,700 |
| 3 | Benson County | $541,287 | $832,750 | $90,000 |
| 4 | Billings County | $541,287 | $832,750 | $331,000 |
| 5 | Bottineau County | $541,287 | $832,750 | $193,200 |
| 6 | Bowman County | $541,287 | $832,750 | $164,900 |
| 7 | Burke County | $541,287 | $832,750 | $158,100 |
| 8 | Burleigh County | $541,287 | $832,750 | $324,000 |
| 9 | Cass County | $541,287 | $832,750 | $298,000 |
| 10 | Cavalier County | $541,287 | $832,750 | $125,800 |
| 11 | Dickey County | $541,287 | $832,750 | $162,400 |
| 12 | Divide County | $541,287 | $832,750 | $167,600 |
| 13 | Dunn County | $541,287 | $832,750 | $275,000 |
| 14 | Eddy County | $541,287 | $832,750 | $124,000 |
| 15 | Emmons County | $541,287 | $832,750 | $117,200 |
| 16 | Foster County | $541,287 | $832,750 | $167,500 |
| 17 | Golden Valley County | $541,287 | $832,750 | $123,900 |
| 18 | Grand Forks County | $541,287 | $832,750 | $252,700 |
| 19 | Grant County | $541,287 | $832,750 | $93,200 |
| 20 | Griggs County | $541,287 | $832,750 | $119,300 |
| 21 | Hettinger County | $541,287 | $832,750 | $117,300 |
| 22 | Kidder County | $541,287 | $832,750 | $156,600 |
| 23 | LaMoure County | $541,287 | $832,750 | $117,200 |
| 24 | Logan County | $541,287 | $832,750 | $102,000 |
| 25 | McHenry County | $541,287 | $832,750 | $151,000 |
| 26 | McIntosh County | $541,287 | $832,750 | $84,200 |
| 27 | McKenzie County | $541,287 | $832,750 | $349,600 |
| 28 | McLean County | $541,287 | $832,750 | $227,100 |
| 29 | Mercer County | $541,287 | $832,750 | $198,500 |
| 30 | Morton County | $541,287 | $832,750 | $263,900 |
| 31 | Mountrail County | $541,287 | $832,750 | $232,700 |
| 32 | Nelson County | $541,287 | $832,750 | $139,700 |
| 33 | Oliver County | $541,287 | $832,750 | $215,700 |
| 34 | Pembina County | $541,287 | $832,750 | $119,200 |
| 35 | Pierce County | $541,287 | $832,750 | $147,300 |
| 36 | Ramsey County | $541,287 | $832,750 | $199,300 |
| 37 | Ransom County | $541,287 | $832,750 | $193,000 |
| 38 | Renville County | $541,287 | $832,750 | $166,000 |
| 39 | Richland County | $541,287 | $832,750 | $183,600 |
| 40 | Rolette County | $541,287 | $832,750 | $103,800 |
| 41 | Sargent County | $541,287 | $832,750 | $163,200 |
| 42 | Sheridan County | $541,287 | $832,750 | $110,300 |
| 43 | Sioux County | $541,287 | $832,750 | $85,400 |
| 44 | Slope County | $541,287 | $832,750 | $170,000 |
| 45 | Stark County | $541,287 | $832,750 | $271,700 |
| 46 | Steele County | $541,287 | $832,750 | $130,700 |
| 47 | Stutsman County | $541,287 | $832,750 | $208,400 |
| 48 | Towner County | $541,287 | $832,750 | $134,800 |
| 49 | Traill County | $541,287 | $832,750 | $200,700 |
| 50 | Walsh County | $541,287 | $832,750 | $132,700 |
| 51 | Ward County | $541,287 | $832,750 | $267,100 |
| 52 | Wells County | $541,287 | $832,750 | $114,500 |
| 53 | Williams County | $541,287 | $832,750 | $284,800 |
About North Dakota's Mortgage Market
North Dakota has 53 counties, each with its own FHA and conforming loan limits for 2026. FHA limits in North Dakota range from $541,287 to $541,287 for a single-family home. Conforming limits range from $832,750 to $832,750.
Use our mortgage calculator to compute monthly payments using North Dakota-specific loan limits. Or explore a specific county above for detailed FHA vs conventional comparisons.
Frequently Asked Questions
What is the maximum FHA loan limit in North Dakota?
The highest 2026 FHA limit in North Dakota is $541,287 for a single-family home.
What is the maximum conforming loan limit in North Dakota?
The highest 2026 conforming loan limit in North Dakota is $832,750 for a single-family home. Loans above this threshold are considered "jumbo" and require stricter qualifications.
How many counties are in North Dakota?
North Dakota has 53 counties, each with its own loan limits published annually by FHFA and HUD.
Data Source: FHFA Conforming Loan Limits 2026, HUD FHA Forward Mortgage Limits 2026, U.S. Census Bureau ACS 5-Year Estimates. Public domain. This page is for informational purposes and does not constitute financial advice.