Polk County, Minnesota has a 2026 one-unit conforming loan limit of $832,750, which is 3.7 times the county's median home value of $222,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $73,107 (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) | $222,800 |
| Minnesota median home value | $329,300 |
| Limit ÷ median home value | 3.74× |
| Median household income | $73,107 |
| Median home value ÷ income | 3.0× |
| Population | 30,705 |
| Median property tax paid (owners) | $2,245 |
| Effective property tax rate (approx.) | 1.01% |
| Owner-occupied homes | 71.3% |
| Home value rank in Minnesota | 48 of 87 counties |
| Neighbor: Clearwater County, MN | limit $832,750; median home $192,100 |
| Neighbor: Mahnomen County, MN | limit $832,750; median home $161,900 |
| Neighbor: Marshall County, MN | limit $832,750; median home $164,500 |
| Neighbor: Norman County, MN | limit $832,750; median home $147,100 |
| Neighbor: Pennington County, MN | limit $832,750; median home $195,500 |
| Neighbor: Red Lake County, MN | limit $832,750; median home $162,000 |
| Neighbor: Grand Forks County, ND | limit $832,750; median home $252,700 |
| Neighbor: Traill County, ND | limit $832,750; median home $200,700 |
Across Minnesota's 87 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Polk County's median home value is 32% below the state median of $329,300 (rank 48 of 87). Among its 8 neighboring counties, Grand Forks County has the highest median home value ($252,700) and Norman County the lowest ($147,100); all share the same loan limit. Owners pay a median $2,245 a year in property tax, an effective rate of about 1.01% 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: Polk County, FL
- 2026 conforming loan limit: Polk County, GA
- 2026 conforming loan limit: Polk County, IA
- 2026 conforming loan limit: Polk County, MO
- 2026 conforming loan limit: Polk County, NC
- 2026 conforming loan limit: Polk County, NE
- 2026 conforming loan limit: Polk County, OR
- 2026 conforming loan limit: Polk County, TN
Last updated 2026-10-16. Data only, not financial or tax advice.