Houston County, Minnesota has a 2026 one-unit conforming loan limit of $832,750, which is 3.5 times the county's median home value of $239,000, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $79,825 (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) | $239,000 |
| Minnesota median home value | $329,300 |
| Limit ÷ median home value | 3.48× |
| Median household income | $79,825 |
| Median home value ÷ income | 3.0× |
| Population | 18,653 |
| Median property tax paid (owners) | $2,756 |
| Effective property tax rate (approx.) | 1.15% |
| Owner-occupied homes | 83.4% |
| Home value rank in Minnesota | 41 of 87 counties |
| Neighbor: Allamakee County, IA | limit $832,750; median home $172,300 |
| Neighbor: Winneshiek County, IA | limit $832,750; median home $259,200 |
| Neighbor: Fillmore County, MN | limit $832,750; median home $221,100 |
| Neighbor: Winona County, MN | limit $832,750; median home $235,400 |
| Neighbor: La Crosse County, WI | limit $832,750; median home $257,000 |
| Neighbor: Vernon County, WI | limit $832,750; median home $223,800 |
Across Minnesota's 87 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Houston County's median home value is 27% below the state median of $329,300 (rank 41 of 87). Among its 6 neighboring counties, Winneshiek County has the highest median home value ($259,200) and Allamakee County the lowest ($172,300); all share the same loan limit. Owners pay a median $2,756 a year in property tax, an effective rate of about 1.15% 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: Houghton County, MI
- 2026 conforming loan limit: Houston County, AL
- 2026 conforming loan limit: Houston County, GA
- 2026 conforming loan limit: Houston County, TN
- 2026 conforming loan limit: Houston County, TX
- 2026 conforming loan limit: Howard County, AR
- 2026 conforming loan limit: Howard County, IA
- 2026 conforming loan limit: Howard County, IN
Last updated 2026-10-16. Data only, not financial or tax advice.