FHA Loan Limits in Ward County, North Dakota (2026)
Buying in Ward County or elsewhere in Ward County? The 2026 FHA single-family limit across the county is $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 Ward County to the edges of Ward County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Cass and Burleigh Counties.
FHA affordability around Ward County
Homes around Ward County carry an estimated local median near $273,000, so an FHA buyer in Ward County puts down about $9,555 (3.5%). With North Dakota's 0.98% effective property-tax rate, the all-in payment runs near $2,111 a month — comfortable on household income around $82,000, above North Dakota's $73,959 median household income, so budget carefully.
FHA payment scenarios in Ward County
Here is what an FHA payment looks like at three Ward County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $197,000 | $6,895 | $1,556 |
| Local median — $273,000 | $9,555 | $2,111 |
| 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 Ward County too — get notified.
First-time buyers make up much of FHA activity in Ward County and across Ward County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $9,555 needed on a median Ward County home.
Multi-unit FHA limits in Ward County
Looking at a duplex or fourplex near Ward County? FHA allows up to $692,997 on two units and $1,041,072 on four in Ward County, with the same low 3.5% down for owner-occupants.
Get FHA Rate & Program Alerts
Rates move daily and FHA rules change often. We will tell you the moment something shifts.
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 Ward County for 2026?
- In Ward County (Ward 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 Ward County with FHA?
- For a median-priced ($273,000) Ward County home, plan on income around $82,000 at a 31% housing ratio — about $2,111/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Ward County?
- 3.5% with a 580+ score — roughly $9,555 on a $273,000 Ward County-area home. Gift funds are allowed.
- Is Ward County a high-cost FHA area?
- No — Ward County uses the $541,287 national floor for one unit.