Stearns County, Minnesota has a 2026 one-unit conforming loan limit of $832,750, which is 3.0 times the county's median home value of $273,400, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $77,066 (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) | $273,400 |
| Minnesota median home value | $329,300 |
| Limit ÷ median home value | 3.05× |
| Median household income | $77,066 |
| Median home value ÷ income | 3.5× |
| Population | 160,865 |
| Median property tax paid (owners) | $2,742 |
| Effective property tax rate (approx.) | 1.00% |
| Owner-occupied homes | 67.9% |
| Home value rank in Minnesota | 23 of 87 counties |
| Neighbor: Benton County, MN | limit $832,750; median home $271,000 |
| Neighbor: Douglas County, MN | limit $832,750; median home $321,400 |
| Neighbor: Kandiyohi County, MN | limit $832,750; median home $243,200 |
| Neighbor: Meeker County, MN | limit $832,750; median home $249,000 |
| Neighbor: Morrison County, MN | limit $832,750; median home $248,500 |
| Neighbor: Pope County, MN | limit $832,750; median home $255,100 |
| Neighbor: Sherburne County, MN | limit $832,750; median home $361,400 |
| Neighbor: Todd County, MN | limit $832,750; median home $207,700 |
Across Minnesota's 87 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Stearns County's median home value is 17% below the state median of $329,300 (rank 23 of 87). Among its 8 neighboring counties, Sherburne County has the highest median home value ($361,400) and Todd County the lowest ($207,700); all share the same loan limit. Owners pay a median $2,742 a year in property tax, an effective rate of about 1.00% 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: Steele County, ND
- 2026 conforming loan limit: Stephens County, GA
- 2026 conforming loan limit: Stephens County, OK
- 2026 conforming loan limit: Stephens County, TX
Last updated 2026-10-16. Data only, not financial or tax advice.