What are the loan limits in each North Dakota county?
| County | Conforming (1 unit) | FHA (1 unit) | FHA (2 units) | Median home value |
|---|---|---|---|---|
| Adams County | $832,750 | $541,287 | $693,050 | $108,300 |
| Barnes County | $832,750 | $541,287 | $693,050 | $168,100 |
| Benson County | $832,750 | $541,287 | $693,050 | $83,100 |
| Billings County | $832,750 | $541,287 | $693,050 | $322,500 |
| Bottineau County | $832,750 | $541,287 | $693,050 | $190,900 |
| Bowman County | $832,750 | $541,287 | $693,050 | $176,400 |
| Burke County | $832,750 | $541,287 | $693,050 | $141,900 |
| Burleigh County | $832,750 | $541,287 | $693,050 | $314,700 |
| Cass County | $832,750 | $541,287 | $693,050 | $284,700 |
| Cavalier County | $832,750 | $541,287 | $693,050 | $122,300 |
| Dickey County | $832,750 | $541,287 | $693,050 | $167,100 |
| Divide County | $832,750 | $541,287 | $693,050 | $173,100 |
| Dunn County | $832,750 | $541,287 | $693,050 | $244,000 |
| Eddy County | $832,750 | $541,287 | $693,050 | $115,500 |
| Emmons County | $832,750 | $541,287 | $693,050 | $112,400 |
| Foster County | $832,750 | $541,287 | $693,050 | $162,800 |
| Golden Valley County | $832,750 | $541,287 | $693,050 | $119,200 |
| Grand Forks County | $832,750 | $541,287 | $693,050 | $244,200 |
| Grant County | $832,750 | $541,287 | $693,050 | $85,800 |
| Griggs County | $832,750 | $541,287 | $693,050 | $128,200 |
| Hettinger County | $832,750 | $541,287 | $693,050 | $110,900 |
| Kidder County | $832,750 | $541,287 | $693,050 | $138,500 |
| LaMoure County | $832,750 | $541,287 | $693,050 | $118,000 |
| Logan County | $832,750 | $541,287 | $693,050 | $101,800 |
| McHenry County | $832,750 | $541,287 | $693,050 | $143,200 |
| McIntosh County | $832,750 | $541,287 | $693,050 | $80,300 |
| McKenzie County | $832,750 | $541,287 | $693,050 | $357,300 |
| McLean County | $832,750 | $541,287 | $693,050 | $233,100 |
| Mercer County | $832,750 | $541,287 | $693,050 | $196,200 |
| Morton County | $832,750 | $541,287 | $693,050 | $249,600 |
| Mountrail County | $832,750 | $541,287 | $693,050 | $222,200 |
| Nelson County | $832,750 | $541,287 | $693,050 | $114,500 |
| Oliver County | $832,750 | $541,287 | $693,050 | $217,000 |
| Pembina County | $832,750 | $541,287 | $693,050 | $116,600 |
| Pierce County | $832,750 | $541,287 | $693,050 | $143,400 |
| Ramsey County | $832,750 | $541,287 | $693,050 | $197,400 |
| Ransom County | $832,750 | $541,287 | $693,050 | $174,800 |
| Renville County | $832,750 | $541,287 | $693,050 | $163,400 |
| Richland County | $832,750 | $541,287 | $693,050 | $177,600 |
| Rolette County | $832,750 | $541,287 | $693,050 | $93,000 |
| Sargent County | $832,750 | $541,287 | $693,050 | $149,600 |
| Sheridan County | $832,750 | $541,287 | $693,050 | $107,700 |
| Sioux County | $832,750 | $541,287 | $693,050 | $87,400 |
| Slope County | $832,750 | $541,287 | $693,050 | $121,300 |
| Stark County | $832,750 | $541,287 | $693,050 | $260,400 |
| Steele County | $832,750 | $541,287 | $693,050 | $120,400 |
| Stutsman County | $832,750 | $541,287 | $693,050 | $200,300 |
| Towner County | $832,750 | $541,287 | $693,050 | $122,800 |
| Traill County | $832,750 | $541,287 | $693,050 | $193,200 |
| Walsh County | $832,750 | $541,287 | $693,050 | $125,700 |
| Ward County | $832,750 | $541,287 | $693,050 | $259,100 |
| Wells County | $832,750 | $541,287 | $693,050 | $106,400 |
| Williams County | $832,750 | $541,287 | $693,050 | $267,800 |
Which North Dakota counties are high-cost areas?
No North Dakota county is above the national baseline, so the conforming limit is $832,750 statewide.
Largest cities in North Dakota
Frequently asked questions
FHA one-unit limits in North Dakota start at $541,287. In Cass County, the most populous county, it's $541,287.
The 2026 one-unit conforming limit in Cass County is $832,750.
With 3.5% down, the $541,287 FHA floor supports a price of about $560,000. Higher-limit counties allow more.
Sources
- FHFA — 2026 Conforming Loan Limit Values
- HUD — 2026 FHA Forward Mortgage Limits (county file)
- U.S. Census Bureau — ACS 2019–2023 5-Year Estimates
Data last updated October 23, 2026.
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