FHA Loan Limits in Stutsman County, North Dakota (2026)
Stutsman County and the rest of Stutsman 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 Stutsman County, from Stutsman County outward, and sit alongside the limits set for neighboring Cass and Burleigh Counties.
How much home can you afford in Stutsman County?
An FHA buyer near Stutsman County faces an estimated $292,000 median, a $10,220 down payment, and — after North Dakota's 0.98% property tax — a monthly cost around $2,250. That suits household income of roughly $87,000, above North Dakota's $73,959 median household income, so budget carefully.
FHA payment scenarios in Stutsman County
FHA payments across Stutsman County price points — from entry homes near Stutsman County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $210,000 | $7,350 | $1,651 |
| Local median — $292,000 | $10,220 | $2,250 |
| 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 Stutsman County too — get notified.
In Stutsman County and the surrounding Stutsman County market, FHA's appeal is the math: $10,220 down on a $292,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Stutsman County
Stutsman County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Stutsman 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 Stutsman County for 2026?
- In Stutsman County (Stutsman 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 Stutsman County with FHA?
- For a median-priced ($292,000) Stutsman County home, plan on income around $87,000 at a 31% housing ratio — about $2,250/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Stutsman County?
- 3.5% with a 580+ score — roughly $10,220 on a $292,000 Stutsman County-area home. Gift funds are allowed.
- Is Stutsman County a high-cost FHA area?
- No — Stutsman County uses the $541,287 national floor for one unit.