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Thinking about buying a home this spring? Check out the latest update to the income needed to buy a median-priced home in the top 50 metro areas.

Thinking about buying a home this spring? Check out the latest update to the income needed to buy a median-priced home in the top 50 metro areas.

Current FHA Mortgage Rates in ND - North Dakota FHA Mortgage

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Note: Your loan amount is greater than the value of the property, a condition known as being "underwater".
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North Dakota Mortgages

2024 FHA Loan Limits for North Dakota

FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners who want to refinance.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

Learn more about FHA loans or calculate FHA loan costs and compare FHA loans against conventional low-downpayment mortgage programs.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2024 FHA loan limits for each county in North Dakota are below.

County Name One Family Two Family Three Family Four Family
Adams One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Barnes One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Benson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Billings One Family$508,300 Two Family$650,700 Three Family$786,550 Four Family$977,500
Bottineau One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Bowman One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Burke One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Burleigh One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Cass One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Cavalier One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Dickey One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Divide One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Dunn One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Eddy One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Emmons One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Foster One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Golden Valley One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Grand Forks One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Grant One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Griggs One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hettinger One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Kidder One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lamoure One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Logan One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mchenry One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mcintosh One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mckenzie One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mclean One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mercer One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Morton One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mountrail One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Nelson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Oliver One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Pembina One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Pierce One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Ramsey One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Ransom One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Renville One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Richland One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Rolette One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Sargent One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Sheridan One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Sioux One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Slope One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Stark One Family$508,300 Two Family$650,700 Three Family$786,550 Four Family$977,500
Steele One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Stutsman One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Towner One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Traill One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Walsh One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Ward One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Wells One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Williams One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
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