St. Louis County, Minnesota has a 2026 one-unit conforming loan limit of $832,750, which is 3.8 times the county's median home value of $221,400, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $70,069 (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) | $221,400 |
| Minnesota median home value | $329,300 |
| Limit ÷ median home value | 3.76× |
| Median household income | $70,069 |
| Median home value ÷ income | 3.2× |
| Population | 200,123 |
| Median property tax paid (owners) | $2,271 |
| Effective property tax rate (approx.) | 1.03% |
| Owner-occupied homes | 71.2% |
| Home value rank in Minnesota | 49 of 87 counties |
| Neighbor: Aitkin County, MN | limit $832,750; median home $255,800 |
| Neighbor: Carlton County, MN | limit $832,750; median home $245,100 |
| Neighbor: Itasca County, MN | limit $832,750; median home $225,200 |
| Neighbor: Koochiching County, MN | limit $832,750; median home $156,600 |
| Neighbor: Lake County, MN | limit $832,750; median home $241,300 |
| Neighbor: Douglas County, WI | limit $832,750; median home $205,800 |
Across Minnesota's 87 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. St. Louis County's median home value is 33% below the state median of $329,300 (rank 49 of 87). Among its 6 neighboring counties, Aitkin County has the highest median home value ($255,800) and Koochiching County the lowest ($156,600); all share the same loan limit. Owners pay a median $2,271 a year in property tax, an effective rate of about 1.03% 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: St. Landry Parish, LA
- 2026 conforming loan limit: St. Lawrence County, NY
- 2026 conforming loan limit: St. Louis City, MO
- 2026 conforming loan limit: St. Louis County, MO
- 2026 conforming loan limit: St. Lucie County, FL
- 2026 conforming loan limit: St. Martin Parish, LA
- 2026 conforming loan limit: St. Mary Parish, LA
- 2026 conforming loan limit: St. Mary'S County, MD
Last updated 2026-10-16. Data only, not financial or tax advice.