FHA Loan Limits in Williams County, North Dakota (2026)
Buying in Williams County or elsewhere in Williams 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 |
Every community in Williams County — Williams County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Cass and Burleigh Counties.
FHA affordability around Williams County
An FHA buyer near Williams County faces an estimated $281,000 median, a $9,835 down payment, and — after North Dakota's 0.98% property tax — a monthly cost around $2,169. That suits household income of roughly $84,000, above North Dakota's $73,959 median household income, so budget carefully.
FHA payment scenarios in Williams County
Whether you are buying in Williams County or a smaller Williams 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 — $202,000 | $7,070 | $1,592 |
| Local median — $281,000 | $9,835 | $2,169 |
| 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 Williams County too — get notified.
Buyers across Williams County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $9,835 down payment near Williams County into little out of pocket.
Multi-unit FHA limits in Williams County
Investors and house-hackers in Williams County and across Williams 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 Williams County for 2026?
- In Williams County (Williams 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 Williams County with FHA?
- For a median-priced ($281,000) Williams County home, plan on income around $84,000 at a 31% housing ratio — about $2,169/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Williams County?
- 3.5% with a 580+ score — roughly $9,835 on a $281,000 Williams County-area home. Gift funds are allowed.
- Is Williams County a high-cost FHA area?
- No — Williams County uses the $541,287 national floor for one unit.