Minnesota Mortgage Guide 2026
Compare 2026 FHA and conforming loan limits across all 87 counties in Minnesota. FHA limits in this state range from $541,287 to $541,287, while conforming limits range from $832,750 to $832,750.
2026 Loan Limits by County in Minnesota
| # | County | FHA Limit (1-Unit) | Conforming Limit (1-Unit) | Median Home Value |
|---|---|---|---|---|
| 1 | Aitkin County | $541,287 | $832,750 | $255,800 |
| 2 | Anoka County | $541,287 | $832,750 | $346,500 |
| 3 | Becker County | $541,287 | $832,750 | $291,000 |
| 4 | Beltrami County | $541,287 | $832,750 | $237,500 |
| 5 | Benton County | $541,287 | $832,750 | $271,000 |
| 6 | Big Stone County | $541,287 | $832,750 | $169,100 |
| 7 | Blue Earth County | $541,287 | $832,750 | $266,700 |
| 8 | Brown County | $541,287 | $832,750 | $191,200 |
| 9 | Carlton County | $541,287 | $832,750 | $245,100 |
| 10 | Carver County | $541,287 | $832,750 | $453,600 |
| 11 | Cass County | $541,287 | $832,750 | $288,300 |
| 12 | Chippewa County | $541,287 | $832,750 | $156,100 |
| 13 | Chisago County | $541,287 | $832,750 | $351,900 |
| 14 | Clay County | $541,287 | $832,750 | $265,500 |
| 15 | Clearwater County | $541,287 | $832,750 | $192,100 |
| 16 | Cook County | $541,287 | $832,750 | $336,200 |
| 17 | Cottonwood County | $541,287 | $832,750 | $169,300 |
| 18 | Crow Wing County | $541,287 | $832,750 | $306,800 |
| 19 | Dakota County | $541,287 | $832,750 | $381,000 |
| 20 | Dodge County | $541,287 | $832,750 | $287,700 |
| 21 | Douglas County | $541,287 | $832,750 | $321,400 |
| 22 | Faribault County | $541,287 | $832,750 | $135,300 |
| 23 | Fillmore County | $541,287 | $832,750 | $221,100 |
| 24 | Freeborn County | $541,287 | $832,750 | $171,100 |
| 25 | Goodhue County | $541,287 | $832,750 | $285,100 |
| 26 | Grant County | $541,287 | $832,750 | $191,000 |
| 27 | Hennepin County | $541,287 | $832,750 | $392,900 |
| 28 | Houston County | $541,287 | $832,750 | $239,000 |
| 29 | Hubbard County | $541,287 | $832,750 | $282,600 |
| 30 | Isanti County | $541,287 | $832,750 | $306,200 |
| 31 | Itasca County | $541,287 | $832,750 | $225,200 |
| 32 | Jackson County | $541,287 | $832,750 | $157,100 |
| 33 | Kanabec County | $541,287 | $832,750 | $228,100 |
| 34 | Kandiyohi County | $541,287 | $832,750 | $243,200 |
| 35 | Kittson County | $541,287 | $832,750 | $134,800 |
| 36 | Koochiching County | $541,287 | $832,750 | $156,600 |
| 37 | Lac qui Parle County | $541,287 | $832,750 | $157,600 |
| 38 | Lake County | $541,287 | $832,750 | $241,300 |
| 39 | Lake of the Woods County | $541,287 | $832,750 | $216,100 |
| 40 | Le Sueur County | $541,287 | $832,750 | $316,500 |
| 41 | Lincoln County | $541,287 | $832,750 | $164,400 |
| 42 | Lyon County | $541,287 | $832,750 | $200,700 |
| 43 | Mahnomen County | $541,287 | $832,750 | $161,900 |
| 44 | Marshall County | $541,287 | $832,750 | $164,500 |
| 45 | Martin County | $541,287 | $832,750 | $163,500 |
| 46 | McLeod County | $541,287 | $832,750 | $246,100 |
| 47 | Meeker County | $541,287 | $832,750 | $249,000 |
| 48 | Mille Lacs County | $541,287 | $832,750 | $258,300 |
| 49 | Morrison County | $541,287 | $832,750 | $248,500 |
| 50 | Mower County | $541,287 | $832,750 | $185,200 |
| 51 | Murray County | $541,287 | $832,750 | $185,400 |
| 52 | Nicollet County | $541,287 | $832,750 | $270,300 |
| 53 | Nobles County | $541,287 | $832,750 | $197,200 |
| 54 | Norman County | $541,287 | $832,750 | $147,100 |
| 55 | Olmsted County | $541,287 | $832,750 | $331,700 |
| 56 | Otter Tail County | $541,287 | $832,750 | $273,000 |
| 57 | Pennington County | $541,287 | $832,750 | $195,500 |
| 58 | Pine County | $541,287 | $832,750 | $239,300 |
| 59 | Pipestone County | $541,287 | $832,750 | $140,200 |
| 60 | Polk County | $541,287 | $832,750 | $222,800 |
| 61 | Pope County | $541,287 | $832,750 | $255,100 |
| 62 | Ramsey County | $541,287 | $832,750 | $326,600 |
| 63 | Red Lake County | $541,287 | $832,750 | $162,000 |
| 64 | Redwood County | $541,287 | $832,750 | $158,200 |
| 65 | Renville County | $541,287 | $832,750 | $163,200 |
| 66 | Rice County | $541,287 | $832,750 | $320,200 |
| 67 | Rock County | $541,287 | $832,750 | $224,300 |
| 68 | Roseau County | $541,287 | $832,750 | $183,700 |
| 69 | Scott County | $541,287 | $832,750 | $419,400 |
| 70 | Sherburne County | $541,287 | $832,750 | $361,400 |
| 71 | Sibley County | $541,287 | $832,750 | $231,900 |
| 72 | St. Louis County | $541,287 | $832,750 | $221,400 |
| 73 | Stearns County | $541,287 | $832,750 | $273,400 |
| 74 | Steele County | $541,287 | $832,750 | $245,400 |
| 75 | Stevens County | $541,287 | $832,750 | $202,800 |
| 76 | Swift County | $541,287 | $832,750 | $161,400 |
| 77 | Todd County | $541,287 | $832,750 | $207,700 |
| 78 | Traverse County | $541,287 | $832,750 | $114,100 |
| 79 | Wabasha County | $541,287 | $832,750 | $264,400 |
| 80 | Wadena County | $541,287 | $832,750 | $173,000 |
| 81 | Waseca County | $541,287 | $832,750 | $220,800 |
| 82 | Washington County | $541,287 | $832,750 | $422,000 |
| 83 | Watonwan County | $541,287 | $832,750 | $162,400 |
| 84 | Wilkin County | $541,287 | $832,750 | $182,200 |
| 85 | Winona County | $541,287 | $832,750 | $235,400 |
| 86 | Wright County | $541,287 | $832,750 | $358,900 |
| 87 | Yellow Medicine County | $541,287 | $832,750 | $154,700 |
About Minnesota's Mortgage Market
Minnesota has 87 counties, each with its own FHA and conforming loan limits for 2026. FHA limits in Minnesota range from $541,287 to $541,287 for a single-family home. Conforming limits range from $832,750 to $832,750.
Use our mortgage calculator to compute monthly payments using Minnesota-specific loan limits. Or explore a specific county above for detailed FHA vs conventional comparisons.
Frequently Asked Questions
What is the maximum FHA loan limit in Minnesota?
The highest 2026 FHA limit in Minnesota is $541,287 for a single-family home.
What is the maximum conforming loan limit in Minnesota?
The highest 2026 conforming loan limit in Minnesota is $832,750 for a single-family home. Loans above this threshold are considered "jumbo" and require stricter qualifications.
How many counties are in Minnesota?
Minnesota has 87 counties, each with its own loan limits published annually by FHFA and HUD.
Data Source: FHFA Conforming Loan Limits 2026, HUD FHA Forward Mortgage Limits 2026, U.S. Census Bureau ACS 5-Year Estimates. Public domain. This page is for informational purposes and does not constitute financial advice.