Loan Limits by County

State · 2026 limits

North Dakota conforming loan limits 2026

$832,750

conforming loan limit for a one-unit home in every North Dakota county, 2026

Limits by county from FHFA. Informational only, not lending advice.

Counties53in FHFA's file
Above the baseline0all at $832,750
Highest 4-unit limit$1,601,750every county
Rose since 202553of 53 counties

The four limits, drawn to scale

Every North Dakota county has the same 2026 limits, so one figure covers the state.

$500K$1M$1.5M$2M$832,750ceiling $1,249,1251 unit · housebaseline $832,750$1,066,250ceiling $1,599,3752 units · duplexbaseline $1,066,250$1,288,800ceiling $1,933,2003 units · triplexbaseline $1,288,800$1,601,750ceiling $2,402,6254 units · fourplexbaseline $1,601,750$500K$1M$1.5M$2M1 unit$832,7502 units$1,066,2503 units$1,288,8004 units$1,601,750

2026 limit hereceiling (150% of baseline)baseline

Source: FHFA 2026 county loan limit file.

Every North Dakota county

Adams County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Barnes County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Benson County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Billings County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Bottineau County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Bowman County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Burke County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Burleigh County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Cass County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Cavalier County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Dickey County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Divide County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Dunn County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Eddy County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Emmons County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Foster County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Golden Valley County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Grand Forks County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Grant County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Griggs County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Hettinger County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Kidder County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Lamoure County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Logan County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
McHenry County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
McIntosh County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
McKenzie County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
McLean County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Mercer County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Morton County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Mountrail County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Nelson County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Oliver County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Pembina County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Pierce County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Ramsey County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Ransom County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Renville County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Richland County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Rolette County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Sargent County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Sheridan County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Sioux County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Slope County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Stark County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Steele County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Stutsman County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Towner County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Traill County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Walsh County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Ward County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Wells County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)
Williams County$832,750$1,066,250$1,288,800$1,601,750+$26,250 (+3.3%)

FHA limits in North Dakota

HUD sets FHA limits for each county between $541,287 and $1,249,125 for one unit in 2026. HUD's lookup has the exact county figures.

HUD FHA lookup FHA limits explained

Questions

What is the 2026 conforming loan limit in North Dakota?

$832,750 for a one-unit home in every county.

Which North Dakota counties have the highest loan limits?

None stands out: all 53 counties share the $832,750 limit.

What is the FHA loan limit in North Dakota for 2026?

HUD sets FHA limits county by county, between $541,287 and $1,249,125 for one unit. HUD's FHA Mortgage Limits lookup has each county's exact figure.

Is a loan above the North Dakota limit a jumbo loan?

Yes. A loan above the conforming limit for its county and unit count is a jumbo loan, which Fannie Mae and Freddie Mac cannot buy.

Sources

Figures as published by the agencies. See sources and method.