State hub
2026 Minnesota loan limits by county
Minnesota has 87 counties in the 2026 FHFA list. The highest one-unit conforming limit is $832,750 in Yellow Medicine County; the state median is $832,750. 0 of 87 are above the $832,750 national baseline. 74 sit at the 2026 FHA floor of $541,287.
- 87Counties listed
- $832,750Highest 1-unit conformingYellow Medicine County
- $832,750Median 1-unit conforming
- 74At FHA floorof 87
| County | Conforming 1-unit 2026 | Change vs 2025 | FHA 1-unit 2026 | Conforming 4-unit 2026 |
|---|---|---|---|---|
| Aitkin County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Anoka County | $832,750 | +$26,250 (+3.3%) | $552,000 | $1,601,750 |
| Becker County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Beltrami County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Benton County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Big Stone County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Blue Earth County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Brown County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Carlton County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Carver County | $832,750 | +$26,250 (+3.3%) | $552,000 | $1,601,750 |
| Cass County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Chippewa County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Chisago County | $832,750 | +$26,250 (+3.3%) | $552,000 | $1,601,750 |
| Clay County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Clearwater County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Cook County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Cottonwood County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Crow Wing County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Dakota County | $832,750 | +$26,250 (+3.3%) | $552,000 | $1,601,750 |
| Dodge County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Douglas County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Faribault County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Fillmore County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Freeborn County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Goodhue County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Grant County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hennepin County | $832,750 | +$26,250 (+3.3%) | $552,000 | $1,601,750 |
| Houston County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hubbard County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Isanti County | $832,750 | +$26,250 (+3.3%) | $552,000 | $1,601,750 |
| Itasca County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Jackson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Kanabec County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Kandiyohi County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Kittson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Koochiching County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lac qui Parle County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lake County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lake of the Woods County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Le Sueur County | $832,750 | +$26,250 (+3.3%) | $552,000 | $1,601,750 |
| Lincoln County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lyon County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Mahnomen County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Marshall County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Martin County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| McLeod County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Meeker County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Mille Lacs County | $832,750 | +$26,250 (+3.3%) | $552,000 | $1,601,750 |
| Morrison County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Mower County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Murray County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Nicollet County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Nobles County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Norman County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Olmsted County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Otter Tail County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Pennington County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Pine County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Pipestone County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Polk County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Pope County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Ramsey County | $832,750 | +$26,250 (+3.3%) | $552,000 | $1,601,750 |
| Red Lake County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Redwood County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Renville County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Rice County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Rock County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Roseau County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Scott County | $832,750 | +$26,250 (+3.3%) | $552,000 | $1,601,750 |
| Sherburne County | $832,750 | +$26,250 (+3.3%) | $552,000 | $1,601,750 |
| Sibley County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| St. Louis County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Stearns County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Steele County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Stevens County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Swift County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Todd County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Traverse County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Wabasha County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Wadena County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Waseca County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Washington County | $832,750 | +$26,250 (+3.3%) | $552,000 | $1,601,750 |
| Watonwan County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Wilkin County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Winona County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Wright County | $832,750 | +$26,250 (+3.3%) | $552,000 | $1,601,750 |
| Yellow Medicine County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
Sources
- Federal Housing Finance Agency, 2026 Conforming Loan Limit Values, full county list (CSV), file dated November 24, 2025; announced November 25, 2025.
- FHFA 2025 county list (CSV), file dated September 15, 2025.
- U.S. Department of Housing and Urban Development, CY2026 FHA forward mortgage limits file, dated December 10, 2025; Mortgagee Letter 2025-23, December 11, 2025. Search tool: HUD FHA Mortgage Limits.
Figures are copied from the files above without modification. Program rules can change mid-year; confirm with your lender.