FHA Loan Limits in Mountrail County, North Dakota (2026)
Mountrail County and the rest of Mountrail 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 |
From Mountrail County to the edges of Mountrail County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Cass and Burleigh Counties.
How much home can you afford in Mountrail County?
Homes around Mountrail County carry an estimated local median near $262,000, so an FHA buyer in Mountrail County puts down about $9,170 (3.5%). With North Dakota's 0.98% effective property-tax rate, the all-in payment runs near $2,030 a month — comfortable on household income around $79,000, above North Dakota's $73,959 median household income, so budget carefully.
FHA payment scenarios in Mountrail County
FHA payments across Mountrail County price points — from entry homes near Mountrail County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $189,000 | $6,615 | $1,497 |
| Local median — $262,000 | $9,170 | $2,030 |
| 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 Mountrail County too — get notified.
First-time buyers make up much of FHA activity in Mountrail County and across Mountrail County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $9,170 needed on a median Mountrail County home.
Multi-unit FHA limits in Mountrail County
Mountrail County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Mountrail 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 Mountrail County for 2026?
- In Mountrail County (Mountrail 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 Mountrail County with FHA?
- For a median-priced ($262,000) Mountrail County home, plan on income around $79,000 at a 31% housing ratio — about $2,030/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Mountrail County?
- 3.5% with a 580+ score — roughly $9,170 on a $262,000 Mountrail County-area home. Gift funds are allowed.
- Is Mountrail County a high-cost FHA area?
- No — Mountrail County uses the $541,287 national floor for one unit.