What are the loan limits in each Minnesota county?
| County | Conforming (1 unit) | FHA (1 unit) | FHA (2 units) | Median home value |
|---|---|---|---|---|
| Aitkin County | $832,750 | $541,287 | $693,050 | $235,100 |
| Anoka County | $832,750 | $552,000 | $706,650 | $325,800 |
| Becker County | $832,750 | $541,287 | $693,050 | $266,900 |
| Beltrami County | $832,750 | $541,287 | $693,050 | $222,300 |
| Benton County | $832,750 | $541,287 | $693,050 | $247,100 |
| Big Stone County | $832,750 | $541,287 | $693,050 | $135,700 |
| Blue Earth County | $832,750 | $541,287 | $693,050 | $252,800 |
| Brown County | $832,750 | $541,287 | $693,050 | $181,700 |
| Carlton County | $832,750 | $541,287 | $693,050 | $232,000 |
| Carver County | $832,750 | $552,000 | $706,650 | $426,900 |
| Cass County | $832,750 | $541,287 | $693,050 | $262,300 |
| Chippewa County | $832,750 | $541,287 | $693,050 | $149,000 |
| Chisago County | $832,750 | $552,000 | $706,650 | $326,600 |
| Clay County | $832,750 | $541,287 | $693,050 | $256,000 |
| Clearwater County | $832,750 | $541,287 | $693,050 | $177,100 |
| Cook County | $832,750 | $541,287 | $693,050 | $294,000 |
| Cottonwood County | $832,750 | $541,287 | $693,050 | $154,000 |
| Crow Wing County | $832,750 | $541,287 | $693,050 | $274,400 |
| Dakota County | $832,750 | $552,000 | $706,650 | $362,100 |
| Dodge County | $832,750 | $541,287 | $693,050 | $267,500 |
| Douglas County | $832,750 | $541,287 | $693,050 | $291,700 |
| Faribault County | $832,750 | $541,287 | $693,050 | $120,200 |
| Fillmore County | $832,750 | $541,287 | $693,050 | $204,000 |
| Freeborn County | $832,750 | $541,287 | $693,050 | $164,900 |
| Goodhue County | $832,750 | $541,287 | $693,050 | $269,400 |
| Grant County | $832,750 | $541,287 | $693,050 | $178,600 |
| Hennepin County | $832,750 | $552,000 | $706,650 | $376,500 |
| Houston County | $832,750 | $541,287 | $693,050 | $226,300 |
| Hubbard County | $832,750 | $541,287 | $693,050 | $255,900 |
| Isanti County | $832,750 | $552,000 | $706,650 | $283,200 |
| Itasca County | $832,750 | $541,287 | $693,050 | $212,000 |
| Jackson County | $832,750 | $541,287 | $693,050 | $145,400 |
| Kanabec County | $832,750 | $541,287 | $693,050 | $221,100 |
| Kandiyohi County | $832,750 | $541,287 | $693,050 | $230,500 |
| Kittson County | $832,750 | $541,287 | $693,050 | $134,400 |
| Koochiching County | $832,750 | $541,287 | $693,050 | $143,700 |
| Lac qui Parle County | $832,750 | $541,287 | $693,050 | $143,400 |
| Lake County | $832,750 | $541,287 | $693,050 | $222,900 |
| Lake of the Woods County | $832,750 | $541,287 | $693,050 | $215,000 |
| Le Sueur County | $832,750 | $552,000 | $706,650 | $287,700 |
| Lincoln County | $832,750 | $541,287 | $693,050 | $152,200 |
| Lyon County | $832,750 | $541,287 | $693,050 | $193,100 |
| Mahnomen County | $832,750 | $541,287 | $693,050 | $146,500 |
| Marshall County | $832,750 | $541,287 | $693,050 | $153,300 |
| Martin County | $832,750 | $541,287 | $693,050 | $158,800 |
| McLeod County | $832,750 | $541,287 | $693,050 | $233,400 |
| Meeker County | $832,750 | $541,287 | $693,050 | $228,900 |
| Mille Lacs County | $832,750 | $552,000 | $706,650 | $237,500 |
| Morrison County | $832,750 | $541,287 | $693,050 | $237,000 |
| Mower County | $832,750 | $541,287 | $693,050 | $172,000 |
| Murray County | $832,750 | $541,287 | $693,050 | $179,400 |
| Nicollet County | $832,750 | $541,287 | $693,050 | $258,500 |
| Nobles County | $832,750 | $541,287 | $693,050 | $179,200 |
| Norman County | $832,750 | $541,287 | $693,050 | $135,700 |
| Olmsted County | $832,750 | $541,287 | $693,050 | $304,500 |
| Otter Tail County | $832,750 | $541,287 | $693,050 | $252,500 |
| Pennington County | $832,750 | $541,287 | $693,050 | $188,900 |
| Pine County | $832,750 | $541,287 | $693,050 | $225,600 |
| Pipestone County | $832,750 | $541,287 | $693,050 | $126,700 |
| Polk County | $832,750 | $541,287 | $693,050 | $211,100 |
| Pope County | $832,750 | $541,287 | $693,050 | $242,800 |
| Ramsey County | $832,750 | $552,000 | $706,650 | $304,900 |
| Red Lake County | $832,750 | $541,287 | $693,050 | $157,200 |
| Redwood County | $832,750 | $541,287 | $693,050 | $150,400 |
| Renville County | $832,750 | $541,287 | $693,050 | $151,900 |
| Rice County | $832,750 | $541,287 | $693,050 | $298,500 |
| Rock County | $832,750 | $541,287 | $693,050 | $201,600 |
| Roseau County | $832,750 | $541,287 | $693,050 | $177,100 |
| Scott County | $832,750 | $552,000 | $706,650 | $393,500 |
| Sherburne County | $832,750 | $552,000 | $706,650 | $332,700 |
| Sibley County | $832,750 | $541,287 | $693,050 | $215,000 |
| St. Louis County | $832,750 | $541,287 | $693,050 | $208,500 |
| Stearns County | $832,750 | $541,287 | $693,050 | $256,500 |
| Steele County | $832,750 | $541,287 | $693,050 | $234,200 |
| Stevens County | $832,750 | $541,287 | $693,050 | $180,800 |
| Swift County | $832,750 | $541,287 | $693,050 | $147,100 |
| Todd County | $832,750 | $541,287 | $693,050 | $188,400 |
| Traverse County | $832,750 | $541,287 | $693,050 | $110,100 |
| Wabasha County | $832,750 | $541,287 | $693,050 | $245,800 |
| Wadena County | $832,750 | $541,287 | $693,050 | $170,500 |
| Waseca County | $832,750 | $541,287 | $693,050 | $213,200 |
| Washington County | $832,750 | $552,000 | $706,650 | $400,900 |
| Watonwan County | $832,750 | $541,287 | $693,050 | $151,600 |
| Wilkin County | $832,750 | $541,287 | $693,050 | $172,300 |
| Winona County | $832,750 | $541,287 | $693,050 | $222,900 |
| Wright County | $832,750 | $552,000 | $706,650 | $332,800 |
| Yellow Medicine County | $832,750 | $541,287 | $693,050 | $148,200 |
Which Minnesota counties are high-cost areas?
No Minnesota county is above the national baseline, so the conforming limit is $832,750 statewide.
Largest cities in Minnesota
Frequently asked questions
FHA one-unit limits in Minnesota start at $541,287. In Hennepin County, the most populous county, it's $552,000.
The 2026 one-unit conforming limit in Hennepin County is $832,750.
With 3.5% down, the $541,287 FHA floor supports a price of about $560,000. Higher-limit counties allow more.
Sources
- FHFA — 2026 Conforming Loan Limit Values
- HUD — 2026 FHA Forward Mortgage Limits (county file)
- U.S. Census Bureau — ACS 2019–2023 5-Year Estimates
Data last updated October 23, 2026.
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