FHA Loan Limits in Barnes County, North Dakota (2026)
From Barnes County, FHA buyers in Barnes County can finance a one-unit home up to $541,287 with 3.5% down in 2026. That matches the national FHA floor used across most of the Midwest.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
These 2026 limits apply throughout Barnes County, from Barnes County outward, and sit alongside the limits set for neighboring Cass and Burleigh Counties.
What can you buy with FHA in Barnes County?
An FHA buyer near Barnes County faces an estimated $252,000 median, a $8,820 down payment, and — after North Dakota's 0.98% property tax — a monthly cost around $1,957. That suits household income of roughly $76,000, above North Dakota's $73,959 median household income, so budget carefully.
FHA payment scenarios in Barnes County
FHA payments across Barnes County price points — from entry homes near Barnes County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $181,000 | $6,335 | $1,439 |
| Local median — $252,000 | $8,820 | $1,957 |
| At the FHA limit — $541,287 | $18,945 | $4,071 |
Estimates include FHA MIP plus North Dakota property taxes and insurance. Rates move daily near Barnes County too — get notified.
In Barnes County and the surrounding Barnes County market, FHA's appeal is the math: $8,820 down on a $252,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Barnes County
Barnes County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Barnes County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Barnes County for 2026?
- In Barnes County (Barnes County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Barnes County with FHA?
- For a median-priced ($252,000) Barnes County home, plan on income around $76,000 at a 31% housing ratio — about $1,957/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Barnes County?
- 3.5% with a 580+ score — roughly $8,820 on a $252,000 Barnes County-area home. Gift funds are allowed.
- Is Barnes County a high-cost FHA area?
- No — Barnes County uses the $541,287 national floor for one unit.