Minnesota Loan Limits by County, 2026
How big a loan can your county back?
About these limits
FHA and conforming limits are set per county each year by HUD and FHFA. A loan above the limit is a jumbo loan with different rules. Source: HUD CHUMS file for 2026 and FHFA county limits.
FHA and conforming (Fannie Mae and Freddie Mac) limits for a one-unit home in all 87 Minnesota counties. 13 counties are high-cost areas with FHA limits above the national floor.
Choose your county to see the answer.
CountyHouseholdIncomePriceSavings
More about loan limits
Minnesota counties
| County | FHA limit (1 unit) | Conforming limit (1 unit) | Area |
|---|---|---|---|
| Aitkin County | $541,287 | $832,750 | Floor |
| Anoka County | $552,000 | $832,750 | High-cost |
| Becker County | $541,287 | $832,750 | Floor |
| Beltrami County | $541,287 | $832,750 | Floor |
| Benton County | $541,287 | $832,750 | Floor |
| Big Stone County | $541,287 | $832,750 | Floor |
| Blue Earth County | $541,287 | $832,750 | Floor |
| Brown County | $541,287 | $832,750 | Floor |
| Carlton County | $541,287 | $832,750 | Floor |
| Carver County | $552,000 | $832,750 | High-cost |
| Cass County | $541,287 | $832,750 | Floor |
| Chippewa County | $541,287 | $832,750 | Floor |
| Chisago County | $552,000 | $832,750 | High-cost |
| Clay County | $541,287 | $832,750 | Floor |
| Clearwater County | $541,287 | $832,750 | Floor |
| Cook County | $541,287 | $832,750 | Floor |
| Cottonwood County | $541,287 | $832,750 | Floor |
| Crow Wing County | $541,287 | $832,750 | Floor |
| Dakota County | $552,000 | $832,750 | High-cost |
| Dodge County | $541,287 | $832,750 | Floor |
| Douglas County | $541,287 | $832,750 | Floor |
| Faribault County | $541,287 | $832,750 | Floor |
| Fillmore County | $541,287 | $832,750 | Floor |
| Freeborn County | $541,287 | $832,750 | Floor |
| Goodhue County | $541,287 | $832,750 | Floor |
| Grant County | $541,287 | $832,750 | Floor |
| Hennepin County | $552,000 | $832,750 | High-cost |
| Houston County | $541,287 | $832,750 | Floor |
| Hubbard County | $541,287 | $832,750 | Floor |
| Isanti County | $552,000 | $832,750 | High-cost |
| Itasca County | $541,287 | $832,750 | Floor |
| Jackson County | $541,287 | $832,750 | Floor |
| Kanabec County | $541,287 | $832,750 | Floor |
| Kandiyohi County | $541,287 | $832,750 | Floor |
| Kittson County | $541,287 | $832,750 | Floor |
| Koochiching County | $541,287 | $832,750 | Floor |
| Lac qui Parle County | $541,287 | $832,750 | Floor |
| Lake County | $541,287 | $832,750 | Floor |
| Lake of the Woods County | $541,287 | $832,750 | Floor |
| Le Sueur County | $552,000 | $832,750 | High-cost |
| Lincoln County | $541,287 | $832,750 | Floor |
| Lyon County | $541,287 | $832,750 | Floor |
| Mahnomen County | $541,287 | $832,750 | Floor |
| Marshall County | $541,287 | $832,750 | Floor |
| Martin County | $541,287 | $832,750 | Floor |
| McLeod County | $541,287 | $832,750 | Floor |
| Meeker County | $541,287 | $832,750 | Floor |
| Mille Lacs County | $552,000 | $832,750 | High-cost |
| Morrison County | $541,287 | $832,750 | Floor |
| Mower County | $541,287 | $832,750 | Floor |
| Murray County | $541,287 | $832,750 | Floor |
| Nicollet County | $541,287 | $832,750 | Floor |
| Nobles County | $541,287 | $832,750 | Floor |
| Norman County | $541,287 | $832,750 | Floor |
| Olmsted County | $541,287 | $832,750 | Floor |
| Otter Tail County | $541,287 | $832,750 | Floor |
| Pennington County | $541,287 | $832,750 | Floor |
| Pine County | $541,287 | $832,750 | Floor |
| Pipestone County | $541,287 | $832,750 | Floor |
| Polk County | $541,287 | $832,750 | Floor |
| Pope County | $541,287 | $832,750 | Floor |
| Ramsey County | $552,000 | $832,750 | High-cost |
| Red Lake County | $541,287 | $832,750 | Floor |
| Redwood County | $541,287 | $832,750 | Floor |
| Renville County | $541,287 | $832,750 | Floor |
| Rice County | $541,287 | $832,750 | Floor |
| Rock County | $541,287 | $832,750 | Floor |
| Roseau County | $541,287 | $832,750 | Floor |
| Scott County | $552,000 | $832,750 | High-cost |
| Sherburne County | $552,000 | $832,750 | High-cost |
| Sibley County | $541,287 | $832,750 | Floor |
| St. Louis County | $541,287 | $832,750 | Floor |
| Stearns County | $541,287 | $832,750 | Floor |
| Steele County | $541,287 | $832,750 | Floor |
| Stevens County | $541,287 | $832,750 | Floor |
| Swift County | $541,287 | $832,750 | Floor |
| Todd County | $541,287 | $832,750 | Floor |
| Traverse County | $541,287 | $832,750 | Floor |
| Wabasha County | $541,287 | $832,750 | Floor |
| Wadena County | $541,287 | $832,750 | Floor |
| Waseca County | $541,287 | $832,750 | Floor |
| Washington County | $552,000 | $832,750 | High-cost |
| Watonwan County | $541,287 | $832,750 | Floor |
| Wilkin County | $541,287 | $832,750 | Floor |
| Winona County | $541,287 | $832,750 | Floor |
| Wright County | $552,000 | $832,750 | High-cost |
| Yellow Medicine County | $541,287 | $832,750 | Floor |
Sources
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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