Minnesota conforming loan limits 2026
Minnesota has 87 counties. Every county uses the $832,750 baseline — no part of the state qualifies for a high-cost limit.
No part of it qualifies for a high-cost figure, so every county here uses the $832,750 baseline. For 2026, the figure moved in 87 of its 87 counties and 0 stayed the same.
Minnesota ranks 14th of 56 jurisdictions by county count, and 23rd by highest limit. Of its counties, 47 sit inside a metropolitan or micropolitan area, across 28 such areas. None of its counties shares a statistical area with a county on a higher figure elsewhere.
All counties in Minnesota
| County | 1-unit 2026 | 2025 | 2024 | Change | Counties sharing this figure |
|---|---|---|---|---|---|
| Aitkin County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Anoka County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Becker County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Beltrami County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Benton County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Big Stone County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Blue Earth County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Brown County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Carlton County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Carver County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Cass County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Chippewa County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Chisago County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Clay County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Clearwater County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Cook County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Cottonwood County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Crow Wing County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Dakota County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Dodge County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Douglas County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Faribault County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Fillmore County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Freeborn County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Goodhue County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Grant County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hennepin County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Houston County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hubbard County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Isanti County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Itasca County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Jackson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Kanabec County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Kandiyohi County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Kittson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Koochiching County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lac Qui Parle County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lake County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lake Of The Woods County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Le Sueur County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lincoln County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lyon County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Mahnomen County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Marshall County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Martin County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Mcleod County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Meeker County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Mille Lacs County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Morrison County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Mower County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Murray County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Nicollet County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Nobles County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Norman County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Olmsted County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Otter Tail County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Pennington County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Pine County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Pipestone County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Polk County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Pope County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Ramsey County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Red Lake County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Redwood County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Renville County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Rice County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Rock County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Roseau County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Scott County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Sherburne County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Sibley County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| St. Louis County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Stearns County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Steele County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Stevens County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Swift County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Todd County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Traverse County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Wabasha County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Wadena County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Waseca County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Washington County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Watonwan County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Wilkin County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Winona County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Wright County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Yellow Medicine County | $832,750 | $806,500 | $766,550 | +3.3% | — |
Where several counties carry the same figure, it is set for the metropolitan or micropolitan area they belong to rather than for the county line. County names in the table link to the figure that applies to them, or to the calculator for counties on the baseline.
Frequently asked
Does all of Minnesota use the baseline conforming loan limit?
Yes — all 87 counties use the $832,750 baseline in 2026.
What counts as a jumbo loan in Minnesota?
Any mortgage above the figure for the area where the property is. In baseline counties that is a loan above $832,750.
Can I check a county that has no page of its own?
The calculator covers all 3235 counties, including every county listed above.