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2026 conforming loan limit: Lake Of The Woods County, MN

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Lake Of The Woods County, Minnesota has a 2026 one-unit conforming loan limit of $832,750, which is 3.9 times the county's median home value of $216,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $77,546 (FHFA; Census ACS 2020–2024).

✓ FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024

Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024

ItemValue
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)$216,100
Minnesota median home value$329,300
Limit ÷ median home value3.85×
Median household income$77,546
Median home value ÷ income2.8×
Population3,821
Median property tax paid (owners)$1,419
Effective property tax rate (approx.)0.66%
Owner-occupied homes81.8%
Home value rank in Minnesota52 of 87 counties
Neighbor: Beltrami County, MNlimit $832,750; median home $237,500
Neighbor: Koochiching County, MNlimit $832,750; median home $156,600
Neighbor: Roseau County, MNlimit $832,750; median home $183,700

Across Minnesota's 87 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Lake Of The Woods County's median home value is 34% below the state median of $329,300 (rank 52 of 87). Among its 3 neighboring counties, Beltrami County has the highest median home value ($237,500) and Koochiching County the lowest ($156,600); all share the same loan limit. Owners pay a median $1,419 a year in property tax, an effective rate of about 0.66% 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.

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