2026 limits · 87 counties
Minnesota 2026 loan limits for duplexes, triplexes and fourplexes
In Minnesota, the 2026 FHA limit for a fourplex runs from $1,041,125 to $1,061,550. 74 of 87 counties sit at the national floor; the highest is 13 counties. The conforming limit, which caps a conventional loan Fannie Mae or Freddie Mac can buy, is the baseline $1,601,750 for a fourplex statewide.
$693,050 to $706,650FHA, 2 units
$1,041,125 to $1,061,550FHA, 4 units
13counties above FHA's floor
$1,601,750highest conforming limit, 4 units
Every county in Minnesota
The limit caps the base loan, not the price. FHA's upfront premium can be added on top without counting against it. "High-cost" marks a county whose FHA limit is above the national floor.
| County | FHA 2026 | Conforming 2026 | ||||
|---|---|---|---|---|---|---|
| 2 units | 3 units | 4 units | 2 units | 3 units | 4 units | |
| Aitkin County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Anoka County high-cost Minneapolis-St. Paul-Bloomington, MN-WI | $706,650 | $854,200 | $1,061,550 | $1,066,250 | $1,288,800 | $1,601,750 |
| Becker County Detroit Lakes, MN | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Beltrami County Bemidji, MN | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Benton County St. Cloud, MN | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Big Stone County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Blue Earth County Mankato, MN | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Brown County New Ulm, MN | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Carlton County Duluth, MN-WI | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Carver County high-cost Minneapolis-St. Paul-Bloomington, MN-WI | $706,650 | $854,200 | $1,061,550 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cass County Brainerd, MN | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Chippewa County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Chisago County high-cost Minneapolis-St. Paul-Bloomington, MN-WI | $706,650 | $854,200 | $1,061,550 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clay County Fargo, ND-MN | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clearwater County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cook County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cottonwood County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Crow Wing County Brainerd, MN | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dakota County high-cost Minneapolis-St. Paul-Bloomington, MN-WI | $706,650 | $854,200 | $1,061,550 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dodge County Rochester, MN | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Douglas County Alexandria, MN | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Faribault County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Fillmore County Rochester, MN | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Freeborn County Albert Lea, MN | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Goodhue County Red Wing, MN | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Grant County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hennepin County high-cost Minneapolis-St. Paul-Bloomington, MN-WI | $706,650 | $854,200 | $1,061,550 | $1,066,250 | $1,288,800 | $1,601,750 |
| Houston County La Crosse-Onalaska, WI-MN | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hubbard County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Isanti County high-cost Minneapolis-St. Paul-Bloomington, MN-WI | $706,650 | $854,200 | $1,061,550 | $1,066,250 | $1,288,800 | $1,601,750 |
| Itasca County Grand Rapids, MN | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jackson County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Kanabec County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Kandiyohi County Willmar, MN | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Kittson County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Koochiching County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lac Qui Parle County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lake County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lake of the Woods County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Le Sueur County high-cost Minneapolis-St. Paul-Bloomington, MN-WI | $706,650 | $854,200 | $1,061,550 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lincoln County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lyon County Marshall, MN | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mahnomen County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Marshall County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Martin County Fairmont, MN | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| McLeod County Hutchinson, MN | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Meeker County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mille Lacs County high-cost Minneapolis-St. Paul-Bloomington, MN-WI | $706,650 | $854,200 | $1,061,550 | $1,066,250 | $1,288,800 | $1,601,750 |
| Morrison County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mower County Austin, MN | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Murray County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Nicollet County Mankato, MN | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Nobles County Worthington, MN | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Norman County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Olmsted County Rochester, MN | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Otter Tail County Fergus Falls, MN | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pennington County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pine County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pipestone County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Polk County Grand Forks, ND-MN | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pope County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ramsey County high-cost Minneapolis-St. Paul-Bloomington, MN-WI | $706,650 | $854,200 | $1,061,550 | $1,066,250 | $1,288,800 | $1,601,750 |
| Red Lake County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Redwood County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Renville County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Rice County Faribault-Northfield, MN | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Rock County Sioux Falls, SD-MN | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Roseau County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Scott County high-cost Minneapolis-St. Paul-Bloomington, MN-WI | $706,650 | $854,200 | $1,061,550 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sherburne County high-cost Minneapolis-St. Paul-Bloomington, MN-WI | $706,650 | $854,200 | $1,061,550 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sibley County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| St. Louis County Duluth, MN-WI | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Stearns County St. Cloud, MN | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Steele County Owatonna, MN | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Stevens County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Swift County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Todd County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Traverse County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wabasha County Rochester, MN | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wadena County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Waseca County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Washington County high-cost Minneapolis-St. Paul-Bloomington, MN-WI | $706,650 | $854,200 | $1,061,550 | $1,066,250 | $1,288,800 | $1,601,750 |
| Watonwan County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wilkin County Wahpeton, ND-MN | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Winona County Winona, MN | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wright County high-cost Minneapolis-St. Paul-Bloomington, MN-WI | $706,650 | $854,200 | $1,061,550 | $1,066,250 | $1,288,800 | $1,601,750 |
| Yellow Medicine County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
How much building fits under the limit
With FHA's minimum 3.5% down, the base loan is 96.5% of the price. So the most you can pay and stay inside the limit is the limit divided by 0.965.
| Where | Duplex | Triplex | Fourplex |
|---|---|---|---|
| 74 counties at the floor | $718,186 | $868,082 | $1,078,886 |
| Anoka County | $732,279 | $885,181 | $1,100,051 |
Put more than 3.5% down and the ceiling on price rises with it. Price is also only half of it: on a three- or four-unit building, FHA's self-sufficiency test often binds before the loan limit does. The calculator runs both against a county you pick.
VA and conventional in Minnesota
Conventional loans use the conforming column. On a 2-4 unit home you live in, Freddie Mac's published maximum is 95% loan-to-value for a mortgage its automated system accepts, but 85% (two units) and 80% (three or four) for a "super conforming" loan above the baseline, and the same 85% and 80% for a manually underwritten one.
A veteran with full VA entitlement has no county limit. If some entitlement is still tied up in another loan, VA ties the guaranty to the one-unit conforming limit even for a fourplex: $832,750 in Minnesota. The guaranty is 25% of that figure minus the entitlement already used.
Other states: all states and the county lookup.