North Dakota conforming loan limits 2026
North Dakota has 53 counties. Every county uses the $832,750 baseline — no part of the state qualifies for a high-cost limit.
No part of it qualifies for a high-cost figure, so every county here uses the $832,750 baseline. For 2026, the figure moved in 53 of its 53 counties and 0 stayed the same.
North Dakota ranks 31st of 56 jurisdictions by county count, and 23rd by highest limit. Of its counties, 14 sit inside a metropolitan or micropolitan area, across 8 such areas. None of its counties shares a statistical area with a county on a higher figure elsewhere.
All counties in North Dakota
| County | 1-unit 2026 | 2025 | 2024 | Change | Counties sharing this figure |
|---|---|---|---|---|---|
| Adams County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Barnes County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Benson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Billings County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Bottineau County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Bowman County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Burke County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Burleigh County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Cass County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Cavalier County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Dickey County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Divide County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Dunn County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Eddy County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Emmons County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Foster County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Golden Valley County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Grand Forks County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Grant County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Griggs County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hettinger County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Kidder County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lamoure County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Logan County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Mchenry County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Mcintosh County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Mckenzie County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Mclean County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Mercer County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Morton County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Mountrail County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Nelson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Oliver County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Pembina County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Pierce County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Ramsey County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Ransom County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Renville County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Richland County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Rolette County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Sargent County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Sheridan County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Sioux County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Slope County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Stark County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Steele County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Stutsman County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Towner County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Traill County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Walsh County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Ward County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Wells County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Williams County | $832,750 | $806,500 | $766,550 | +3.3% | — |
Where several counties carry the same figure, it is set for the metropolitan or micropolitan area they belong to rather than for the county line. County names in the table link to the figure that applies to them, or to the calculator for counties on the baseline.
Frequently asked
Does all of North Dakota use the baseline conforming loan limit?
Yes — all 53 counties use the $832,750 baseline in 2026.
What counts as a jumbo loan in North Dakota?
Any mortgage above the figure for the area where the property is. In baseline counties that is a loan above $832,750.
Can I check a county that has no page of its own?
The calculator covers all 3235 counties, including every county listed above.