Cottonwood County, Minnesota has a 2026 one-unit conforming loan limit of $832,750, which is 4.9 times the county's median home value of $169,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $72,941 (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) | $169,300 |
| Minnesota median home value | $329,300 |
| Limit ÷ median home value | 4.92× |
| Median household income | $72,941 |
| Median home value ÷ income | 2.3× |
| Population | 11,458 |
| Median property tax paid (owners) | $1,781 |
| Effective property tax rate (approx.) | 1.05% |
| Owner-occupied homes | 74.4% |
| Home value rank in Minnesota | 67 of 87 counties |
| Neighbor: Brown County, MN | limit $832,750; median home $191,200 |
| Neighbor: Jackson County, MN | limit $832,750; median home $157,100 |
| Neighbor: Murray County, MN | limit $832,750; median home $185,400 |
| Neighbor: Nobles County, MN | limit $832,750; median home $197,200 |
| Neighbor: Redwood County, MN | limit $832,750; median home $158,200 |
| Neighbor: Watonwan County, MN | limit $832,750; median home $162,400 |
Across Minnesota's 87 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Cottonwood County's median home value is 49% below the state median of $329,300 (rank 67 of 87). Among its 6 neighboring counties, Nobles County has the highest median home value ($197,200) and Jackson County the lowest ($157,100); all share the same loan limit. Owners pay a median $1,781 a year in property tax, an effective rate of about 1.05% 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
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- 2026 conforming loan limit: Covington County, AL
- 2026 conforming loan limit: Covington County, MS
- 2026 conforming loan limit: Coweta County, GA
- 2026 conforming loan limit: Cowley County, KS
Last updated 2026-10-16. Data only, not financial or tax advice.