Otter Tail County, Minnesota has a 2026 one-unit conforming loan limit of $832,750, which is 3.1 times the county's median home value of $273,000, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $72,255 (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) | $273,000 |
| Minnesota median home value | $329,300 |
| Limit ÷ median home value | 3.05× |
| Median household income | $72,255 |
| Median home value ÷ income | 3.8× |
| Population | 60,475 |
| Median property tax paid (owners) | $2,093 |
| Effective property tax rate (approx.) | 0.77% |
| Owner-occupied homes | 79.5% |
| Home value rank in Minnesota | 24 of 87 counties |
| Neighbor: Becker County, MN | limit $832,750; median home $291,000 |
| Neighbor: Clay County, MN | limit $832,750; median home $265,500 |
| Neighbor: Douglas County, MN | limit $832,750; median home $321,400 |
| Neighbor: Grant County, MN | limit $832,750; median home $191,000 |
| Neighbor: Todd County, MN | limit $832,750; median home $207,700 |
| Neighbor: Wadena County, MN | limit $832,750; median home $173,000 |
| Neighbor: Wilkin County, MN | limit $832,750; median home $182,200 |
Across Minnesota's 87 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Otter Tail County's median home value is 17% below the state median of $329,300 (rank 24 of 87). Among its 7 neighboring counties, Douglas County has the highest median home value ($321,400) and Wadena County the lowest ($173,000); all share the same loan limit. Owners pay a median $2,093 a year in property tax, an effective rate of about 0.77% 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: Ottawa County, MI
- 2026 conforming loan limit: Ottawa County, OH
- 2026 conforming loan limit: Ottawa County, OK
- 2026 conforming loan limit: Ouachita County, AR
- 2026 conforming loan limit: Ouachita Parish, LA
- 2026 conforming loan limit: Ouray County, CO
- 2026 conforming loan limit: Outagamie County, WI
- 2026 conforming loan limit: Overton County, TN
Last updated 2026-10-16. Data only, not financial or tax advice.