FHA Loan Limits in Richland County, North Dakota (2026)
Richland County and the rest of Richland 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 Richland County to the edges of Richland 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 Richland County?
With Richland County's median sale price estimated near $238,000 (think Richland County), the FHA down payment is roughly $8,330. Factoring North Dakota property taxes near 0.98%, expect about $1,855 monthly, pointing to income near $72,000 — under North Dakota's $73,959 median household income.
FHA payment scenarios in Richland County
Whether you are buying in Richland County or a smaller Richland County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $171,000 | $5,985 | $1,366 |
| Local median — $238,000 | $8,330 | $1,855 |
| 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 Richland County too — get notified.
First-time buyers make up much of FHA activity in Richland County and across Richland County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $8,330 needed on a median Richland County home.
Multi-unit FHA limits in Richland County
Investors and house-hackers in Richland County and across Richland County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Richland County for 2026?
- In Richland County (Richland 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 Richland County with FHA?
- For a median-priced ($238,000) Richland County home, plan on income around $72,000 at a 31% housing ratio — about $1,855/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Richland County?
- 3.5% with a 580+ score — roughly $8,330 on a $238,000 Richland County-area home. Gift funds are allowed.
- Is Richland County a high-cost FHA area?
- No — Richland County uses the $541,287 national floor for one unit.