FHA Loan Limits and USDA Eligibility in North Dakota
2026 FHA one-unit limit in North Dakota is $541,287. About 98% of ZIP centers look USDA-eligible. USDA 502 Guaranteed 1–4 person income limits range from $124,500 to $153,550. Enter a ZIP on the maps. County FHA caps are listed below.
2026 FHA Loan Limits Map for North Dakota
USDA Property Eligibility and Income Limits Map for North Dakota
North Dakota FHA and USDA Figures by County
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when it does, both caps are listed. This table does not mark a county as USDA eligible or ineligible.
| County | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| Adams County | $541,287 | $128,450 |
| Barnes County | $541,287 | $124,500 |
| Benson County | $541,287 | $124,500 |
| Billings County | $541,287 | $133,550 |
| Bottineau County | $541,287 | $128,250 |
| Bowman County | $541,287 | $124,500 |
| Burke County | $541,287 | $145,600 |
| Burleigh County | $541,287 | $136,300 |
| Cass County | $541,287 | $132,950 |
| Cavalier County | $541,287 | $124,500 |
| Dickey County | $541,287 | $124,500 |
| Divide County | $541,287 | $139,600 |
| Dunn County | $541,287 | $153,550 |
| Eddy County | $541,287 | $124,500 |
| Emmons County | $541,287 | $124,500 |
| Foster County | $541,287 | $140,300 |
| Golden Valley County | $541,287 | $124,550 |
| Grand Forks County | $541,287 | $124,500 |
| Grant County | $541,287 | $124,500 |
| Griggs County | $541,287 | $124,500 |
| Hettinger County | $541,287 | $125,800 |
| Kidder County | $541,287 | $124,500 |
| LaMoure County | $541,287 | $124,500 |
| Logan County | $541,287 | $124,500 |
| McHenry County | $541,287 | $124,500 |
| McIntosh County | $541,287 | $124,500 |
| McKenzie County | $541,287 | $146,850 |
| McLean County | $541,287 | $133,050 |
| Mercer County | $541,287 | $129,400 |
| Morton County | $541,287 | $136,300 |
| Mountrail County | $541,287 | $124,500 |
| Nelson County | $541,287 | $124,500 |
| Oliver County | $541,287 | $136,300 |
| Pembina County | $541,287 | $124,500 |
| Pierce County | $541,287 | $124,500 |
| Ramsey County | $541,287 | $124,500 |
| Ransom County | $541,287 | $124,500 |
| Renville County | $541,287 | $124,500 |
| Richland County | $541,287 | $126,650 |
| Rolette County | $541,287 | $124,500 |
| Sargent County | $541,287 | $124,500 |
| Sheridan County | $541,287 | $124,500 |
| Sioux County | $541,287 | $124,500 |
| Slope County | $541,287 | $124,500 |
| Stark County | $541,287 | $126,350 |
| Steele County | $541,287 | $132,600 |
| Stutsman County | $541,287 | $127,450 |
| Towner County | $541,287 | $124,500 |
| Traill County | $541,287 | $140,150 |
| Walsh County | $541,287 | $124,500 |
| Ward County | $541,287 | $129,150 |
| Wells County | $541,287 | $124,500 |
| Williams County | $541,287 | $129,950 |
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