FHA Loan Limits in Morton County, North Dakota (2026)
Morton County and the rest of Morton County, North Dakota fall under a 2026 one-unit FHA limit of $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 |
These 2026 limits apply throughout Morton County, from Morton County outward, and sit alongside the limits set for neighboring Cass and Burleigh Counties.
How much home can you afford in Morton County?
An FHA buyer near Morton County faces an estimated $300,000 median, a $10,500 down payment, and — after North Dakota's 0.98% property tax — a monthly cost around $2,308. That suits household income of roughly $89,000, above North Dakota's $73,959 median household income, so budget carefully.
FHA payment scenarios in Morton County
FHA payments across Morton County price points — from entry homes near Morton County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $216,000 | $7,560 | $1,694 |
| Local median — $300,000 | $10,500 | $2,308 |
| 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 Morton County too — get notified.
In Morton County and the surrounding Morton County market, FHA's appeal is the math: $10,500 down on a $300,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Morton County
Morton County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Morton 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 Morton County for 2026?
- In Morton County (Morton 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 Morton County with FHA?
- For a median-priced ($300,000) Morton County home, plan on income around $89,000 at a 31% housing ratio — about $2,308/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Morton County?
- 3.5% with a 580+ score — roughly $10,500 on a $300,000 Morton County-area home. Gift funds are allowed.
- Is Morton County a high-cost FHA area?
- No — Morton County uses the $541,287 national floor for one unit.