2026 conforming loan limits
2026 conforming loan limits in Minnesota
Minnesota has 87 counties or equivalents in the official 2026 FHFA dataset. The applicable one-unit baseline for Minnesota is $832,750 — the national baseline that applies to the contiguous states, DC, and Puerto Rico. One-unit limits in the dataset range from $832,750 to $832,750.
Baseline
87
Special statutory baseline
0
High-cost area
0
Every county/equivalent in Minnesota
| County / equivalent | 1 unit | 2 units | 3 units | 4 units | Category |
|---|---|---|---|---|---|
| Aitkin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Anoka County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Becker County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Beltrami County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Benton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Big Stone County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Blue Earth County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Brown County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Carlton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Carver County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Cass County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Chippewa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Chisago County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Clay County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Clearwater County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Cook County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Cottonwood County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Crow Wing County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Dakota County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Dodge County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Douglas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Faribault County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Fillmore County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Freeborn County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Goodhue County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Grant County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hennepin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Houston County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hubbard County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Isanti County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Itasca County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Jackson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Kanabec County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Kandiyohi County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Kittson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Koochiching County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lac Qui Parle County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lake County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lake Of The Woods County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Le Sueur County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lincoln County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lyon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Mahnomen County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Marshall County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Martin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Mcleod County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Meeker County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Mille Lacs County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Morrison County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Mower County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Murray County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Nicollet County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Nobles County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Norman County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Olmsted County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Otter Tail County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Pennington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Pine County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Pipestone County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Polk County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Pope County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Ramsey County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Red Lake County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Redwood County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Renville County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Rice County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Rock County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Roseau County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Scott County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Sherburne County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Sibley County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| St. Louis County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Stearns County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Steele County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Stevens County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Swift County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Todd County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Traverse County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Wabasha County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Wadena County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Waseca County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Washington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Watonwan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Wilkin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Winona County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Wright County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Yellow Medicine County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
Verify these numbers
- Open the official FHFA 2026 County Loan Limit List.
- Filter to Minnesota (MN).
- Confirm the 1–4 unit limits match this table.
Dataset: Full County Loan Limit List 2026 (HERA-Based Final Flat). Publisher: Federal Housing Finance Agency. Retrieved 2026-07-29. Row count for Minnesota: 87. Dataset SHA-256: 3e4aa578ce0db02db241e2721362e978b097fad70e1532324e0d30a798dd67a8.
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