FHA Loan Limits in McKenzie County, North Dakota (2026)
Buying in McKenzie County or elsewhere in McKenzie County? The 2026 FHA single-family limit across the county is $541,287. 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 |
From McKenzie County to the edges of McKenzie County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Cass and Burleigh Counties.
FHA affordability around McKenzie County
An FHA buyer near McKenzie County faces an estimated $309,000 median, a $10,815 down payment, and — after North Dakota's 0.98% property tax — a monthly cost around $2,374. That suits household income of roughly $92,000, above North Dakota's $73,959 median household income, so budget carefully.
FHA payment scenarios in McKenzie County
FHA payments across McKenzie County price points — from entry homes near McKenzie County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $222,000 | $7,770 | $1,738 |
| Local median — $309,000 | $10,815 | $2,374 |
| 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 McKenzie County too — get notified.
First-time buyers make up much of FHA activity in McKenzie County and across McKenzie County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $10,815 needed on a median McKenzie County home.
Multi-unit FHA limits in McKenzie County
McKenzie County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in McKenzie 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 McKenzie County for 2026?
- In McKenzie County (McKenzie 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 McKenzie County with FHA?
- For a median-priced ($309,000) McKenzie County home, plan on income around $92,000 at a 31% housing ratio — about $2,374/month including taxes, insurance, and MIP.
- How much is the FHA down payment in McKenzie County?
- 3.5% with a 580+ score — roughly $10,815 on a $309,000 McKenzie County-area home. Gift funds are allowed.
- Is McKenzie County a high-cost FHA area?
- No — McKenzie County uses the $541,287 national floor for one unit.