Mille Lacs County, Minnesota has a 2026 one-unit conforming loan limit of $832,750, which is 3.2 times the county's median home value of $258,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $72,729 (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) | $258,300 |
| Minnesota median home value | $329,300 |
| Limit ÷ median home value | 3.22× |
| Median household income | $72,729 |
| Median home value ÷ income | 3.6× |
| Population | 27,125 |
| Median property tax paid (owners) | $2,698 |
| Effective property tax rate (approx.) | 1.04% |
| Owner-occupied homes | 77.9% |
| Home value rank in Minnesota | 30 of 87 counties |
| Neighbor: Aitkin County, MN | limit $832,750; median home $255,800 |
| Neighbor: Benton County, MN | limit $832,750; median home $271,000 |
| Neighbor: Crow Wing County, MN | limit $832,750; median home $306,800 |
| Neighbor: Isanti County, MN | limit $832,750; median home $306,200 |
| Neighbor: Kanabec County, MN | limit $832,750; median home $228,100 |
| Neighbor: Morrison County, MN | limit $832,750; median home $248,500 |
| Neighbor: Sherburne County, MN | limit $832,750; median home $361,400 |
Across Minnesota's 87 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Mille Lacs County's median home value is 22% below the state median of $329,300 (rank 30 of 87). Among its 7 neighboring counties, Sherburne County has the highest median home value ($361,400) and Kanabec County the lowest ($228,100); all share the same loan limit. Owners pay a median $2,698 a year in property tax, an effective rate of about 1.04% 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: Milam County, TX
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- 2026 conforming loan limit: Miller County, AR
- 2026 conforming loan limit: Miller County, GA
- 2026 conforming loan limit: Miller County, MO
- 2026 conforming loan limit: Mills County, IA
- 2026 conforming loan limit: Mills County, TX
Last updated 2026-10-16. Data only, not financial or tax advice.