Loan Limits / Minnesota
2026 Loan Limits · MN
Minnesota loan limits.
All 87 counties in Minnesota with their 2026 conforming and FHA loan limits. Click a county for full multi-unit limits and context.
87 counties
1-unit limits shown · click for full detail| County | Median Price | GSE 1u | GSE Class | FHA 1u | FHA Class |
|---|---|---|---|---|---|
| Aitkin | $210,000 | $832,750 | Standard | $541,287 | Standard |
| Anoka | $480,000 | $832,750 | Standard | $552,000 | High-cost |
| Becker | $255,000 | $832,750 | Standard | $541,287 | Standard |
| Beltrami | $210,000 | $832,750 | Standard | $541,287 | Standard |
| Benton | $275,000 | $832,750 | Standard | $541,287 | Standard |
| Big Stone | $123,000 | $832,750 | Standard | $541,287 | Standard |
| Blue Earth | $290,000 | $832,750 | Standard | $541,287 | Standard |
| Brown | $182,000 | $832,750 | Standard | $541,287 | Standard |
| Carlton | $236,000 | $832,750 | Standard | $541,287 | Standard |
| Carver | $480,000 | $832,750 | Standard | $552,000 | High-cost |
| Cass | $256,000 | $832,750 | Standard | $541,287 | Standard |
| Chippewa | $154,000 | $832,750 | Standard | $541,287 | Standard |
| Chisago | $480,000 | $832,750 | Standard | $552,000 | High-cost |
| Clay | $330,000 | $832,750 | Standard | $541,287 | Standard |
| Clearwater | $180,000 | $832,750 | Standard | $541,287 | Standard |
| Cook | $300,000 | $832,750 | Standard | $541,287 | Standard |
| Cottonwood | $133,000 | $832,750 | Standard | $541,287 | Standard |
| Crow Wing | $256,000 | $832,750 | Standard | $541,287 | Standard |
| Dakota | $480,000 | $832,750 | Standard | $552,000 | High-cost |
| Dodge | $330,000 | $832,750 | Standard | $541,287 | Standard |
| Douglas | $295,000 | $832,750 | Standard | $541,287 | Standard |
| Faribault | $145,000 | $832,750 | Standard | $541,287 | Standard |
| Fillmore | $330,000 | $832,750 | Standard | $541,287 | Standard |
| Freeborn | $165,000 | $832,750 | Standard | $541,287 | Standard |
| Goodhue | $280,000 | $832,750 | Standard | $541,287 | Standard |
| Grant | $157,000 | $832,750 | Standard | $541,287 | Standard |
| Hennepin | $480,000 | $832,750 | Standard | $552,000 | High-cost |
| Houston | $280,000 | $832,750 | Standard | $541,287 | Standard |
| Hubbard | $195,000 | $832,750 | Standard | $541,287 | Standard |
| Isanti | $480,000 | $832,750 | Standard | $552,000 | High-cost |
| Itasca | $206,000 | $832,750 | Standard | $541,287 | Standard |
| Jackson | $141,000 | $832,750 | Standard | $541,287 | Standard |
| Kanabec | $235,000 | $832,750 | Standard | $541,287 | Standard |
| Kandiyohi | $230,000 | $832,750 | Standard | $541,287 | Standard |
| Kittson | $93,000 | $832,750 | Standard | $541,287 | Standard |
| Koochiching | $115,000 | $832,750 | Standard | $541,287 | Standard |
| Lac Qui Parle | $100,000 | $832,750 | Standard | $541,287 | Standard |
| Lake | $195,000 | $832,750 | Standard | $541,287 | Standard |
| Lake Of The Woo | $168,000 | $832,750 | Standard | $541,287 | Standard |
| Le Sueur | $480,000 | $832,750 | Standard | $552,000 | High-cost |
| Lincoln | $98,000 | $832,750 | Standard | $541,287 | Standard |
| Lyon | $160,000 | $832,750 | Standard | $541,287 | Standard |
| Mahnomen | $120,000 | $832,750 | Standard | $541,287 | Standard |
| Marshall | $145,000 | $832,750 | Standard | $541,287 | Standard |
| Martin | $150,000 | $832,750 | Standard | $541,287 | Standard |
| Mcleod | $265,000 | $832,750 | Standard | $541,287 | Standard |
| Meeker | $219,000 | $832,750 | Standard | $541,287 | Standard |
| Mille Lacs | $480,000 | $832,750 | Standard | $552,000 | High-cost |
| Morrison | $235,000 | $832,750 | Standard | $541,287 | Standard |
| Mower | $175,000 | $832,750 | Standard | $541,287 | Standard |
| Murray | $120,000 | $832,750 | Standard | $541,287 | Standard |
| Nicollet | $290,000 | $832,750 | Standard | $541,287 | Standard |
| Nobles | $210,000 | $832,750 | Standard | $541,287 | Standard |
| Norman | $140,000 | $832,750 | Standard | $541,287 | Standard |
| Olmsted | $330,000 | $832,750 | Standard | $541,287 | Standard |
| Otter Tail | $230,000 | $832,750 | Standard | $541,287 | Standard |
| Pennington | $165,000 | $832,750 | Standard | $541,287 | Standard |
| Pine | $240,000 | $832,750 | Standard | $541,287 | Standard |
| Pipestone | $132,000 | $832,750 | Standard | $541,287 | Standard |
| Polk | $282,000 | $832,750 | Standard | $541,287 | Standard |
| Pope | $225,000 | $832,750 | Standard | $541,287 | Standard |
| Ramsey | $480,000 | $832,750 | Standard | $552,000 | High-cost |
| Red Lake | $122,000 | $832,750 | Standard | $541,287 | Standard |
| Redwood | $135,000 | $832,750 | Standard | $541,287 | Standard |
| Renville | $150,000 | $832,750 | Standard | $541,287 | Standard |
| Rice | $316,000 | $832,750 | Standard | $541,287 | Standard |
| Rock | $405,000 | $832,750 | Standard | $541,287 | Standard |
| Roseau | $180,000 | $832,750 | Standard | $541,287 | Standard |
| Scott | $480,000 | $832,750 | Standard | $552,000 | High-cost |
| Sherburne | $480,000 | $832,750 | Standard | $552,000 | High-cost |
| Sibley | $228,000 | $832,750 | Standard | $541,287 | Standard |
| St. Louis | $236,000 | $832,750 | Standard | $541,287 | Standard |
| Stearns | $275,000 | $832,750 | Standard | $541,287 | Standard |
| Steele | $256,000 | $832,750 | Standard | $541,287 | Standard |
| Stevens | $165,000 | $832,750 | Standard | $541,287 | Standard |
| Swift | $113,000 | $832,750 | Standard | $541,287 | Standard |
| Todd | $160,000 | $832,750 | Standard | $541,287 | Standard |
| Traverse | $93,000 | $832,750 | Standard | $541,287 | Standard |
| Wabasha | $330,000 | $832,750 | Standard | $541,287 | Standard |
| Wadena | $159,000 | $832,750 | Standard | $541,287 | Standard |
| Waseca | $206,000 | $832,750 | Standard | $541,287 | Standard |
| Washington | $480,000 | $832,750 | Standard | $552,000 | High-cost |
| Watonwan | $125,000 | $832,750 | Standard | $541,287 | Standard |
| Wilkin | $180,000 | $832,750 | Standard | $541,287 | Standard |
| Winona | $233,000 | $832,750 | Standard | $541,287 | Standard |
| Wright | $480,000 | $832,750 | Standard | $552,000 | High-cost |
| Yellow Medicine | $118,000 | $832,750 | Standard | $541,287 | Standard |
Minnesota at a glance
87 counties indexed. 13 are designated high-cost by HUD or FHFA. The highest GSE 1-unit limit in Minnesota is $832,750 in Aitkin County.
Loan amount above the conforming limit for your county? You're in jumbo territory. Below the FHA ceiling? FHA financing is on the table. We can run the numbers for any property in Minnesota.