FHA Loan Limits in Stark County, North Dakota (2026)
From Stark County, FHA buyers in Stark 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 |
From Stark County to the edges of Stark County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Cass and Burleigh Counties.
What can you buy with FHA in Stark County?
Homes around Stark County carry an estimated local median near $252,000, so an FHA buyer in Stark County puts down about $8,820 (3.5%). With North Dakota's 0.98% effective property-tax rate, the all-in payment runs near $1,957 a month — comfortable on household income around $76,000, above North Dakota's $73,959 median household income, so budget carefully.
FHA payment scenarios in Stark County
Whether you are buying in Stark County or a smaller Stark 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 — $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 Stark County too — get notified.
First-time buyers make up much of FHA activity in Stark County and across Stark County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $8,820 needed on a median Stark County home.
Multi-unit FHA limits in Stark County
Investors and house-hackers in Stark County and across Stark 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.
Your Free FHA Early-Warning System
Free to join in under 30 seconds. Get notified when it is time to act.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Stark County for 2026?
- In Stark County (Stark 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 Stark County with FHA?
- For a median-priced ($252,000) Stark 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 Stark County?
- 3.5% with a 580+ score — roughly $8,820 on a $252,000 Stark County-area home. Gift funds are allowed.
- Is Stark County a high-cost FHA area?
- No — Stark County uses the $541,287 national floor for one unit.