Highest FHA limit in Minnesota
$552,000
In 2026, FHA one-unit limits in Minnesota range from $541,287 to $552,000 (Anoka County). 74 of 87 counties use the national floor.
74 of 87counties at the $541,287 floor
All Minnesota counties
| County | 1 unit | 2 units | 4 units | Conforming |
|---|---|---|---|---|
| Anoka County | $552,000 | $706,650 | $1,061,550 | $832,750 |
| Carver County | $552,000 | $706,650 | $1,061,550 | $832,750 |
| Chisago County | $552,000 | $706,650 | $1,061,550 | $832,750 |
| Dakota County | $552,000 | $706,650 | $1,061,550 | $832,750 |
| Hennepin County | $552,000 | $706,650 | $1,061,550 | $832,750 |
| Isanti County | $552,000 | $706,650 | $1,061,550 | $832,750 |
| Le Sueur County | $552,000 | $706,650 | $1,061,550 | $832,750 |
| Mille Lacs County | $552,000 | $706,650 | $1,061,550 | $832,750 |
| Ramsey County | $552,000 | $706,650 | $1,061,550 | $832,750 |
| Scott County | $552,000 | $706,650 | $1,061,550 | $832,750 |
| Sherburne County | $552,000 | $706,650 | $1,061,550 | $832,750 |
| Washington County | $552,000 | $706,650 | $1,061,550 | $832,750 |
| Wright County | $552,000 | $706,650 | $1,061,550 | $832,750 |
| Aitkin County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Becker County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Beltrami County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Benton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Big Stone County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Blue Earth County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Brown County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Carlton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cass County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Chippewa County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Clay County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Clearwater County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cook County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cottonwood County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Crow Wing County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Dodge County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Douglas County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Faribault County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Fillmore County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Freeborn County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Goodhue County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Grant County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Houston County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hubbard County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Itasca County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Jackson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Kanabec County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Kandiyohi County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Kittson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Koochiching County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lac qui Parle County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lake County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lake of the Woods County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lincoln County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lyon County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Mahnomen County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Marshall County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Martin County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| McLeod County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Meeker County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Morrison County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Mower County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Murray County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Nicollet County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Nobles County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Norman County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Olmsted County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Otter Tail County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Pennington County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Pine County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Pipestone County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Polk County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Pope County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Red Lake County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Redwood County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Renville County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Rice County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Rock County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Roseau County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Sibley County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| St. Louis County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Stearns County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Steele County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Stevens County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Swift County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Todd County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Traverse County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wabasha County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wadena County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Waseca County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Watonwan County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wilkin County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Winona County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Yellow Medicine County | $541,287 | $693,050 | $1,041,125 | $832,750 |
Sources: HUD FHA forward mortgage limits CY2026 (CHUMS file, case numbers assigned on or after Jan 1, 2026); FHFA 2026 conforming loan limits; Freddie Mac PMMS 30-year average 7.40% (week of 2026-10-15) for payment examples, which cover principal and interest only, before FHA mortgage insurance, taxes and insurance. Not lending advice.
Frequently asked questions
What is the FHA loan limit in Minnesota for 2026?
In 2026, FHA one-unit limits in Minnesota range from $541,287 to $552,000 (Anoka County). 74 of 87 counties use the national floor.
What is the FHA floor for 2026?
$541,287 for a one-unit home. The high-cost ceiling is $1,249,125.