Carlton County, Minnesota has a 2026 one-unit conforming loan limit of $832,750, which is 3.4 times the county's median home value of $245,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $80,573 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $245,100 |
| Minnesota median home value | $329,300 |
| Limit ÷ median home value | 3.40× |
| Median household income | $80,573 |
| Median home value ÷ income | 3.0× |
| Population | 36,518 |
| Median property tax paid (owners) | $2,862 |
| Effective property tax rate (approx.) | 1.17% |
| Owner-occupied homes | 80.0% |
| Home value rank in Minnesota | 37 of 87 counties |
| Neighbor: Aitkin County, MN | limit $832,750; median home $255,800 |
| Neighbor: Pine County, MN | limit $832,750; median home $239,300 |
| Neighbor: St. Louis County, MN | limit $832,750; median home $221,400 |
| Neighbor: Douglas County, WI | limit $832,750; median home $205,800 |
Across Minnesota's 87 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Carlton County's median home value is 26% below the state median of $329,300 (rank 37 of 87). Among its 4 neighboring counties, Aitkin County has the highest median home value ($255,800) and Douglas County the lowest ($205,800); all share the same loan limit. Owners pay a median $2,862 a year in property tax, an effective rate of about 1.17% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
- 2026 conforming loan limit: Carbon County, WY
- 2026 conforming loan limit: Caribou County, ID
- 2026 conforming loan limit: Carlisle County, KY
- 2026 conforming loan limit: Carolina Municipio, PR
- 2026 conforming loan limit: Caroline County, MD
- 2026 conforming loan limit: Caroline County, VA
- 2026 conforming loan limit: Carroll County, AR
- 2026 conforming loan limit: Carroll County, GA
Last updated 2026-10-16. Data only, not financial or tax advice.