FHA Loan Limits in Walsh County, North Dakota (2026)
Walsh County and the rest of Walsh 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 Walsh County to the edges of Walsh 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 Walsh County?
With Walsh County's median sale price estimated near $246,000 (think Walsh County), the FHA down payment is roughly $8,610. Factoring North Dakota property taxes near 0.98%, expect about $1,914 monthly, pointing to income near $74,000 — above North Dakota's $73,959 median household income, so budget carefully.
FHA payment scenarios in Walsh County
Here is what an FHA payment looks like at three Walsh County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $177,000 | $6,195 | $1,410 |
| Local median — $246,000 | $8,610 | $1,914 |
| 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 Walsh County too — get notified.
First-time buyers make up much of FHA activity in Walsh County and across Walsh County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $8,610 needed on a median Walsh County home.
Multi-unit FHA limits in Walsh County
Looking at a duplex or fourplex near Walsh County? FHA allows up to $692,997 on two units and $1,041,072 on four in Walsh County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Walsh County for 2026?
- In Walsh County (Walsh 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 Walsh County with FHA?
- For a median-priced ($246,000) Walsh County home, plan on income around $74,000 at a 31% housing ratio — about $1,914/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Walsh County?
- 3.5% with a 580+ score — roughly $8,610 on a $246,000 Walsh County-area home. Gift funds are allowed.
- Is Walsh County a high-cost FHA area?
- No — Walsh County uses the $541,287 national floor for one unit.