North Dakota loan limits 2026 by county
In 2026, every one of the 53 counties in North Dakota has the $832,750 baseline conforming loan limit for a one-unit home. Every North Dakota county has the $541,287 FHA floor. VA has no limit for a veteran with full entitlement; with remaining entitlement it uses the county's conforming one-unit limit.
FHA and conforming loan limits for every North Dakota county
| County | Conforming 2026 | FHA 2026 | FHA area |
|---|---|---|---|
| Adams County | $832,750 | $541,287 | Non-Metro |
| Barnes County | $832,750 | $541,287 | Non-Metro |
| Benson County | $832,750 | $541,287 | Non-Metro |
| Billings County | $832,750 | $541,287 | Dickinson, ND |
| Bottineau County | $832,750 | $541,287 | Non-Metro |
| Bowman County | $832,750 | $541,287 | Non-Metro |
| Burke County | $832,750 | $541,287 | Non-Metro |
| Burleigh County | $832,750 | $541,287 | Bismarck, ND |
| Cass County | $832,750 | $541,287 | Fargo, ND-MN |
| Cavalier County | $832,750 | $541,287 | Non-Metro |
| Dickey County | $832,750 | $541,287 | Non-Metro |
| Divide County | $832,750 | $541,287 | Non-Metro |
| Dunn County | $832,750 | $541,287 | Dickinson, ND |
| Eddy County | $832,750 | $541,287 | Non-Metro |
| Emmons County | $832,750 | $541,287 | Non-Metro |
| Foster County | $832,750 | $541,287 | Non-Metro |
| Golden Valley County | $832,750 | $541,287 | Non-Metro |
| Grand Forks County | $832,750 | $541,287 | Grand Forks, ND-MN |
| Grant County | $832,750 | $541,287 | Non-Metro |
| Griggs County | $832,750 | $541,287 | Non-Metro |
| Hettinger County | $832,750 | $541,287 | Non-Metro |
| Kidder County | $832,750 | $541,287 | Non-Metro |
| LaMoure County | $832,750 | $541,287 | Non-Metro |
| Logan County | $832,750 | $541,287 | Non-Metro |
| McHenry County | $832,750 | $541,287 | Minot, ND |
| McIntosh County | $832,750 | $541,287 | Non-Metro |
| McKenzie County | $832,750 | $541,287 | Non-Metro |
| McLean County | $832,750 | $541,287 | Non-Metro |
| Mercer County | $832,750 | $541,287 | Non-Metro |
| Morton County | $832,750 | $541,287 | Bismarck, ND |
| Mountrail County | $832,750 | $541,287 | Non-Metro |
| Nelson County | $832,750 | $541,287 | Non-Metro |
| Oliver County | $832,750 | $541,287 | Bismarck, ND |
| Pembina County | $832,750 | $541,287 | Non-Metro |
| Pierce County | $832,750 | $541,287 | Non-Metro |
| Ramsey County | $832,750 | $541,287 | Non-Metro |
| Ransom County | $832,750 | $541,287 | Non-Metro |
| Renville County | $832,750 | $541,287 | Minot, ND |
| Richland County | $832,750 | $541,287 | Wahpeton, ND-MN |
| Rolette County | $832,750 | $541,287 | Non-Metro |
| Sargent County | $832,750 | $541,287 | Non-Metro |
| Sheridan County | $832,750 | $541,287 | Non-Metro |
| Sioux County | $832,750 | $541,287 | Non-Metro |
| Slope County | $832,750 | $541,287 | Non-Metro |
| Stark County | $832,750 | $541,287 | Dickinson, ND |
| Steele County | $832,750 | $541,287 | Non-Metro |
| Stutsman County | $832,750 | $541,287 | Jamestown, ND |
| Towner County | $832,750 | $541,287 | Non-Metro |
| Traill County | $832,750 | $541,287 | Non-Metro |
| Walsh County | $832,750 | $541,287 | Non-Metro |
| Ward County | $832,750 | $541,287 | Minot, ND |
| Wells County | $832,750 | $541,287 | Non-Metro |
| Williams County | $832,750 | $541,287 | Williston, ND |
One-unit limits. Each county page has the 2, 3 and 4 unit limits, the VA figure and how the county compares. Conforming limits announced November 25, 2025; FHA limits for 2026.
FHA, VA and conforming limits in North Dakota
- FHA loan limits 2026HUD's floor and ceiling, how a county's limit is set and the highest-limit counties nationally.
- Conforming loan limits 2026FHFA's baseline, the high-cost ceiling and the special Alaska and Hawaii limits, with the announcement calendar.
- VA loan limitsNo limit with full entitlement since 2020; how the county limit sets the guaranty for remaining entitlement.
- Jumbo loan limit 2026The loan size above which a mortgage is jumbo in each county, and the high-balance band.
- North Dakota fair market rentsHUD Fair Market Rents for every North Dakota county, studios to 4 bedrooms.
- North Dakota property tax ratesEffective property tax rate for every North Dakota county from survey data.
For the title side (owner of record, deeds, mortgages, liens), see the counties HeritageDeed covers; a title report is $49 per report.
Questions about North Dakota loan limits
What are the FHA loan limits in North Dakota for 2026?
$541,287 to $541,287 for a one-unit home, depending on the county. Every county is at the national floor of $541,287. Two to four unit limits are on each county page. HUD's limits apply to case numbers assigned on or after January 1, 2026.
What is the conforming loan limit in North Dakota for 2026?
$832,750 for a one-unit home in every North Dakota county, effective January 1, 2026 (FHFA).
What is the VA loan limit in North Dakota?
There is none for a veteran with full entitlement: VA removed county loan limits for them on January 1, 2020. A veteran with entitlement in use gets a guaranty based on the county's FHFA one-unit limit, $832,750 in North Dakota for 2026: 25 percent of that limit minus the entitlement already used.
Which North Dakota counties have the highest loan limits?
Conforming: every county is at the baseline. FHA: Adams County at $541,287. Limits follow FHFA's and HUD's metropolitan areas, so every county in one area has the same figure.
Loan limits in nearby states
Legal references
- 12 U.S.C. 1709(b)(2), FHA mortgage limits (115 percent of the area median, floor and ceiling)
Published federal limits. JSON: /api/data/loan-limits/north-dakota. Not lending advice.