Cook County, Minnesota has a 2026 one-unit conforming loan limit of $832,750, which is 2.5 times the county's median home value of $336,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $72,638 (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) | $336,200 |
| Minnesota median home value | $329,300 |
| Limit ÷ median home value | 2.48× |
| Median household income | $72,638 |
| Median home value ÷ income | 4.6× |
| Population | 5,635 |
| Median property tax paid (owners) | $2,304 |
| Effective property tax rate (approx.) | 0.69% |
| Owner-occupied homes | 77.7% |
| Home value rank in Minnesota | 10 of 87 counties |
| Neighbor: Keweenaw County, MI | limit $832,750; median home $169,800 |
| Neighbor: Ontonagon County, MI | limit $832,750; median home $111,700 |
| Neighbor: Lake County, MN | limit $832,750; median home $241,300 |
| Neighbor: Ashland County, WI | limit $832,750; median home $170,300 |
Across Minnesota's 87 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Cook County's median home value is 2% above the state median of $329,300 (rank 10 of 87). Among its 4 neighboring counties, Lake County has the highest median home value ($241,300) and Ontonagon County the lowest ($111,700); all share the same loan limit. Owners pay a median $2,304 a year in property tax, an effective rate of about 0.69% 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: Conway County, AR
- 2026 conforming loan limit: Cook County, GA
- 2026 conforming loan limit: Cook County, IL
- 2026 conforming loan limit: Cooke County, TX
- 2026 conforming loan limit: Cooper County, MO
- 2026 conforming loan limit: Coos County, NH
- 2026 conforming loan limit: Coos County, OR
- 2026 conforming loan limit: Coosa County, AL
Last updated 2026-10-16. Data only, not financial or tax advice.