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2026 North Dakota loan limits by county
North Dakota has 53 counties in the 2026 FHFA list. The highest one-unit conforming limit is $832,750 in Williams County; the state median is $832,750. 0 of 53 are above the $832,750 national baseline. 53 sit at the 2026 FHA floor of $541,287.
- 53Counties listed
- $832,750Highest 1-unit conformingWilliams County
- $832,750Median 1-unit conforming
- 53At FHA floorof 53
| County | Conforming 1-unit 2026 | Change vs 2025 | FHA 1-unit 2026 | Conforming 4-unit 2026 |
|---|---|---|---|---|
| Adams County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Barnes County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Benson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Billings County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Bottineau County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Bowman County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Burke County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Burleigh County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Cass County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Cavalier County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Dickey County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Divide County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Dunn County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Eddy County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Emmons County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Foster County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Golden Valley County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Grand Forks County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Grant County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Griggs County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hettinger County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Kidder County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| LaMoure County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Logan County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| McHenry County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| McIntosh County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| McKenzie County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| McLean County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Mercer County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Morton County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Mountrail County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Nelson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Oliver County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Pembina County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Pierce County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Ramsey County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Ransom County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Renville County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Richland County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Rolette County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Sargent County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Sheridan County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Sioux County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Slope County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Stark County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Steele County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Stutsman County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Towner County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Traill County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Walsh County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Ward County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Wells County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Williams County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
Sources
- Federal Housing Finance Agency, 2026 Conforming Loan Limit Values, full county list (CSV), file dated November 24, 2025; announced November 25, 2025.
- FHFA 2025 county list (CSV), file dated September 15, 2025.
- U.S. Department of Housing and Urban Development, CY2026 FHA forward mortgage limits file, dated December 10, 2025; Mortgagee Letter 2025-23, December 11, 2025. Search tool: HUD FHA Mortgage Limits.
Figures are copied from the files above without modification. Program rules can change mid-year; confirm with your lender.