Clay County, Minnesota has a 2026 one-unit conforming loan limit of $832,750, which is 3.1 times the county's median home value of $265,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $81,172 (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) | $265,500 |
| Minnesota median home value | $329,300 |
| Limit ÷ median home value | 3.14× |
| Median household income | $81,172 |
| Median home value ÷ income | 3.3× |
| Population | 66,059 |
| Median property tax paid (owners) | $3,013 |
| Effective property tax rate (approx.) | 1.13% |
| Owner-occupied homes | 65.9% |
| Home value rank in Minnesota | 28 of 87 counties |
| Neighbor: Becker County, MN | limit $832,750; median home $291,000 |
| Neighbor: Norman County, MN | limit $832,750; median home $147,100 |
| Neighbor: Otter Tail County, MN | limit $832,750; median home $273,000 |
| Neighbor: Wilkin County, MN | limit $832,750; median home $182,200 |
| Neighbor: Cass County, ND | limit $832,750; median home $298,000 |
| Neighbor: Richland County, ND | limit $832,750; median home $183,600 |
Across Minnesota's 87 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Clay County's median home value is 19% below the state median of $329,300 (rank 28 of 87). Among its 6 neighboring counties, Cass County has the highest median home value ($298,000) and Norman County the lowest ($147,100); all share the same loan limit. Owners pay a median $3,013 a year in property tax, an effective rate of about 1.13% 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: Clay County, IN
- 2026 conforming loan limit: Clay County, KS
- 2026 conforming loan limit: Clay County, KY
- 2026 conforming loan limit: Clay County, MO
- 2026 conforming loan limit: Clay County, MS
- 2026 conforming loan limit: Clay County, NC
- 2026 conforming loan limit: Clay County, NE
- 2026 conforming loan limit: Clay County, SD
Last updated 2026-10-16. Data only, not financial or tax advice.