Koochiching County, Minnesota has a 2026 one-unit conforming loan limit of $832,750, which is 5.3 times the county's median home value of $156,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $66,940 (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) | $156,600 |
| Minnesota median home value | $329,300 |
| Limit ÷ median home value | 5.32× |
| Median household income | $66,940 |
| Median home value ÷ income | 2.3× |
| Population | 11,833 |
| Median property tax paid (owners) | $1,156 |
| Effective property tax rate (approx.) | 0.74% |
| Owner-occupied homes | 80.4% |
| Home value rank in Minnesota | 80 of 87 counties |
| Neighbor: Beltrami County, MN | limit $832,750; median home $237,500 |
| Neighbor: Itasca County, MN | limit $832,750; median home $225,200 |
| Neighbor: Lake Of The Woods County, MN | limit $832,750; median home $216,100 |
| Neighbor: St. Louis County, MN | limit $832,750; median home $221,400 |
Across Minnesota's 87 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Koochiching County's median home value is 52% below the state median of $329,300 (rank 80 of 87). Among its 4 neighboring counties, Beltrami County has the highest median home value ($237,500) and Lake Of The Woods County the lowest ($216,100); all share the same loan limit. Owners pay a median $1,156 a year in property tax, an effective rate of about 0.74% 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.
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Last updated 2026-10-16. Data only, not financial or tax advice.