Minnesota loan limits 2026 by county
In 2026, every one of the 87 counties in Minnesota has the $832,750 baseline conforming loan limit for a one-unit home. FHA limits run from $541,287 to $552,000: 13 counties are above the $541,287 national floor. VA has no limit for a veteran with full entitlement; with remaining entitlement it uses the county's conforming one-unit limit.
FHA and conforming loan limits for every Minnesota county
| County | Conforming 2026 | FHA 2026 | FHA area |
|---|---|---|---|
| Aitkin County | $832,750 | $541,287 | Non-Metro |
| Anoka County | $832,750 | $552,000 | Minneapolis-St. Paul-Bloomington, MN-WI |
| Becker County | $832,750 | $541,287 | Detroit Lakes, MN |
| Beltrami County | $832,750 | $541,287 | Bemidji, MN |
| Benton County | $832,750 | $541,287 | St. Cloud, MN |
| Big Stone County | $832,750 | $541,287 | Non-Metro |
| Blue Earth County | $832,750 | $541,287 | Mankato, MN |
| Brown County | $832,750 | $541,287 | New Ulm, MN |
| Carlton County | $832,750 | $541,287 | Duluth, MN-WI |
| Carver County | $832,750 | $552,000 | Minneapolis-St. Paul-Bloomington, MN-WI |
| Cass County | $832,750 | $541,287 | Brainerd, MN |
| Chippewa County | $832,750 | $541,287 | Non-Metro |
| Chisago County | $832,750 | $552,000 | Minneapolis-St. Paul-Bloomington, MN-WI |
| Clay County | $832,750 | $541,287 | Fargo, ND-MN |
| Clearwater County | $832,750 | $541,287 | Non-Metro |
| Cook County | $832,750 | $541,287 | Non-Metro |
| Cottonwood County | $832,750 | $541,287 | Non-Metro |
| Crow Wing County | $832,750 | $541,287 | Brainerd, MN |
| Dakota County | $832,750 | $552,000 | Minneapolis-St. Paul-Bloomington, MN-WI |
| Dodge County | $832,750 | $541,287 | Rochester, MN |
| Douglas County | $832,750 | $541,287 | Alexandria, MN |
| Faribault County | $832,750 | $541,287 | Non-Metro |
| Fillmore County | $832,750 | $541,287 | Rochester, MN |
| Freeborn County | $832,750 | $541,287 | Albert Lea, MN |
| Goodhue County | $832,750 | $541,287 | Red Wing, MN |
| Grant County | $832,750 | $541,287 | Non-Metro |
| Hennepin County | $832,750 | $552,000 | Minneapolis-St. Paul-Bloomington, MN-WI |
| Houston County | $832,750 | $541,287 | La Crosse-Onalaska, WI-MN |
| Hubbard County | $832,750 | $541,287 | Non-Metro |
| Isanti County | $832,750 | $552,000 | Minneapolis-St. Paul-Bloomington, MN-WI |
| Itasca County | $832,750 | $541,287 | Grand Rapids, MN |
| Jackson County | $832,750 | $541,287 | Non-Metro |
| Kanabec County | $832,750 | $541,287 | Non-Metro |
| Kandiyohi County | $832,750 | $541,287 | Willmar, MN |
| Kittson County | $832,750 | $541,287 | Non-Metro |
| Koochiching County | $832,750 | $541,287 | Non-Metro |
| Lac qui Parle County | $832,750 | $541,287 | Non-Metro |
| Lake County | $832,750 | $541,287 | Non-Metro |
| Lake of the Woods County | $832,750 | $541,287 | Non-Metro |
| Le Sueur County | $832,750 | $552,000 | Minneapolis-St. Paul-Bloomington, MN-WI |
| Lincoln County | $832,750 | $541,287 | Non-Metro |
| Lyon County | $832,750 | $541,287 | Marshall, MN |
| Mahnomen County | $832,750 | $541,287 | Non-Metro |
| Marshall County | $832,750 | $541,287 | Non-Metro |
| Martin County | $832,750 | $541,287 | Fairmont, MN |
| McLeod County | $832,750 | $541,287 | Hutchinson, MN |
| Meeker County | $832,750 | $541,287 | Non-Metro |
| Mille Lacs County | $832,750 | $552,000 | Minneapolis-St. Paul-Bloomington, MN-WI |
| Morrison County | $832,750 | $541,287 | Non-Metro |
| Mower County | $832,750 | $541,287 | Austin, MN |
| Murray County | $832,750 | $541,287 | Non-Metro |
| Nicollet County | $832,750 | $541,287 | Mankato, MN |
| Nobles County | $832,750 | $541,287 | Worthington, MN |
| Norman County | $832,750 | $541,287 | Non-Metro |
| Olmsted County | $832,750 | $541,287 | Rochester, MN |
| Otter Tail County | $832,750 | $541,287 | Fergus Falls, MN |
| Pennington County | $832,750 | $541,287 | Non-Metro |
| Pine County | $832,750 | $541,287 | Non-Metro |
| Pipestone County | $832,750 | $541,287 | Non-Metro |
| Polk County | $832,750 | $541,287 | Grand Forks, ND-MN |
| Pope County | $832,750 | $541,287 | Non-Metro |
| Ramsey County | $832,750 | $552,000 | Minneapolis-St. Paul-Bloomington, MN-WI |
| Red Lake County | $832,750 | $541,287 | Non-Metro |
| Redwood County | $832,750 | $541,287 | Non-Metro |
| Renville County | $832,750 | $541,287 | Non-Metro |
| Rice County | $832,750 | $541,287 | Faribault-Northfield, MN |
| Rock County | $832,750 | $541,287 | Sioux Falls, SD-MN |
| Roseau County | $832,750 | $541,287 | Non-Metro |
| Scott County | $832,750 | $552,000 | Minneapolis-St. Paul-Bloomington, MN-WI |
| Sherburne County | $832,750 | $552,000 | Minneapolis-St. Paul-Bloomington, MN-WI |
| Sibley County | $832,750 | $541,287 | Non-Metro |
| St. Louis County | $832,750 | $541,287 | Duluth, MN-WI |
| Stearns County | $832,750 | $541,287 | St. Cloud, MN |
| Steele County | $832,750 | $541,287 | Owatonna, MN |
| Stevens County | $832,750 | $541,287 | Non-Metro |
| Swift County | $832,750 | $541,287 | Non-Metro |
| Todd County | $832,750 | $541,287 | Non-Metro |
| Traverse County | $832,750 | $541,287 | Non-Metro |
| Wabasha County | $832,750 | $541,287 | Rochester, MN |
| Wadena County | $832,750 | $541,287 | Non-Metro |
| Waseca County | $832,750 | $541,287 | Non-Metro |
| Washington County | $832,750 | $552,000 | Minneapolis-St. Paul-Bloomington, MN-WI |
| Watonwan County | $832,750 | $541,287 | Non-Metro |
| Wilkin County | $832,750 | $541,287 | Wahpeton, ND-MN |
| Winona County | $832,750 | $541,287 | Winona, MN |
| Wright County | $832,750 | $552,000 | Minneapolis-St. Paul-Bloomington, MN-WI |
| Yellow Medicine County | $832,750 | $541,287 | Non-Metro |
One-unit limits. Each county page has the 2, 3 and 4 unit limits, the VA figure and how the county compares. Conforming limits announced November 25, 2025; FHA limits for 2026.
Highest FHA loan limits in Minnesota
Anoka County ($552,000), Carver County ($552,000), Chisago County ($552,000), Dakota County ($552,000) and Hennepin County ($552,000). HUD sets a county above the floor where 115 percent of its area's median home price is higher than the floor, up to the $1,249,125 ceiling; every county of one HUD area has the same limit.
FHA, VA and conforming limits in Minnesota
- FHA loan limits 2026HUD's floor and ceiling, how a county's limit is set and the highest-limit counties nationally.
- Conforming loan limits 2026FHFA's baseline, the high-cost ceiling and the special Alaska and Hawaii limits, with the announcement calendar.
- VA loan limitsNo limit with full entitlement since 2020; how the county limit sets the guaranty for remaining entitlement.
- Jumbo loan limit 2026The loan size above which a mortgage is jumbo in each county, and the high-balance band.
- Minnesota fair market rentsHUD Fair Market Rents for every Minnesota county, studios to 4 bedrooms.
- Minnesota property tax ratesEffective property tax rate for every Minnesota county from survey data.
For the title side (owner of record, deeds, mortgages, liens), see the counties HeritageDeed covers; a title report is $49 per report.
Questions about Minnesota loan limits
What are the FHA loan limits in Minnesota for 2026?
$541,287 to $552,000 for a one-unit home, depending on the county. 13 counties are above the national floor of $541,287, led by Anoka County ($552,000), Carver County ($552,000) and Chisago County ($552,000); the rest are at the floor. Two to four unit limits are on each county page. HUD's limits apply to case numbers assigned on or after January 1, 2026.
What is the conforming loan limit in Minnesota for 2026?
$832,750 for a one-unit home in every Minnesota county, effective January 1, 2026 (FHFA).
What is the VA loan limit in Minnesota?
There is none for a veteran with full entitlement: VA removed county loan limits for them on January 1, 2020. A veteran with entitlement in use gets a guaranty based on the county's FHFA one-unit limit, $832,750 in Minnesota for 2026: 25 percent of that limit minus the entitlement already used.
Which Minnesota counties have the highest loan limits?
Conforming: every county is at the baseline. FHA: Anoka County at $552,000. Limits follow FHFA's and HUD's metropolitan areas, so every county in one area has the same figure.
Loan limits in nearby states
Legal references
- 12 U.S.C. 1709(b)(2), FHA mortgage limits (115 percent of the area median, floor and ceiling)
Published federal limits. JSON: /api/data/loan-limits/minnesota. Not lending advice.