FHA Loan Limits and USDA Eligibility in Minnesota
2026 FHA one-unit limits in Minnesota range from $541,287 to $552,000. About 81% of ZIP centers look USDA-eligible. USDA 502 Guaranteed 1–4 person income limits range from $122,800 to $153,550. Enter a ZIP on the maps. County FHA caps are listed below.
2026 FHA Loan Limits Map for Minnesota
Minnesota one-unit limits: —
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Standard Floor: $541,287Mid-Tier: $541,288–$750,000High-Cost: $750,001–$1,000,000Elite Zone: $1,000,001+
USDA Property Eligibility and Income Limits Map for Minnesota
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EligibleIneligibleUSDA ineligible boundary
Minnesota FHA and USDA Figures by County
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when it does, both caps are listed. This table does not mark a county as USDA eligible or ineligible.
| County | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| Aitkin County | $541,287 | $124,800 |
| Anoka County | $552,000 | $124,800 to $152,250 |
| Becker County | $541,287 | $124,800 |
| Beltrami County | $541,287 | $124,800 |
| Benton County | $541,287 | $124,800 |
| Big Stone County | $541,287 | $124,800 |
| Blue Earth County | $541,287 | $124,800 |
| Brown County | $541,287 | $124,800 |
| Carlton County | $541,287 | $124,800 |
| Carver County | $552,000 | $124,800 to $152,250 |
| Cass County | $541,287 | $124,800 |
| Chippewa County | $541,287 | $124,800 |
| Chisago County | $552,000 | $124,800 to $152,250 |
| Clay County | $541,287 | $132,950 |
| Clearwater County | $541,287 | $124,800 |
| Cook County | $541,287 | $124,800 |
| Cottonwood County | $541,287 | $124,800 |
| Crow Wing County | $541,287 | $124,800 |
| Dakota County | $552,000 | $124,800 to $152,250 |
| Dodge County | $541,287 | $153,550 |
| Douglas County | $541,287 | $124,800 |
| Faribault County | $541,287 | $124,800 |
| Fillmore County | $541,287 | $124,800 |
| Freeborn County | $541,287 | $124,800 |
| Goodhue County | $541,287 | $131,250 |
| Grant County | $541,287 | $124,800 |
| Hennepin County | $552,000 | $124,800 to $152,250 |
| Houston County | $541,287 | $123,500 |
| Hubbard County | $541,287 | $124,800 |
| Isanti County | $552,000 | $124,800 to $152,250 |
| Itasca County | $541,287 | $124,800 |
| Jackson County | $541,287 | $124,800 |
| Kanabec County | $541,287 | $124,800 |
| Kandiyohi County | $541,287 | $124,800 |
| Kittson County | $541,287 | $124,800 |
| Koochiching County | $541,287 | $124,800 |
| Lac qui Parle County | $541,287 | $124,800 |
| Lake County | $541,287 | $124,800 |
| Lake of the Woods County | $541,287 | $124,800 |
| Le Sueur County | $552,000 | $124,800 to $134,350 |
| Lincoln County | $541,287 | $124,800 |
| Lyon County | $541,287 | $124,800 |
| Mahnomen County | $541,287 | $124,800 |
| Marshall County | $541,287 | $124,800 |
| Martin County | $541,287 | $124,800 |
| McLeod County | $541,287 | $125,200 |
| Meeker County | $541,287 | $124,800 |
| Mille Lacs County | $552,000 | $124,800 |
| Morrison County | $541,287 | $124,800 |
| Mower County | $541,287 | $124,800 |
| Murray County | $541,287 | $124,800 |
| Nicollet County | $541,287 | $124,800 |
| Nobles County | $541,287 | $124,800 |
| Norman County | $541,287 | $124,800 |
| Olmsted County | $541,287 | $153,550 |
| Otter Tail County | $541,287 | $124,800 |
| Pennington County | $541,287 | $128,000 |
| Pine County | $541,287 | $124,800 |
| Pipestone County | $541,287 | $124,800 |
| Polk County | $541,287 | $124,500 |
| Pope County | $541,287 | $124,800 |
| Ramsey County | $552,000 | $124,800 to $152,250 |
| Red Lake County | $541,287 | $124,800 |
| Redwood County | $541,287 | $124,800 |
| Renville County | $541,287 | $124,800 |
| Rice County | $541,287 | $124,800 |
| Rock County | $541,287 | $124,800 |
| Roseau County | $541,287 | $124,800 |
| Scott County | $552,000 | $124,800 to $152,250 |
| Sherburne County | $552,000 | $124,800 to $152,250 |
| Sibley County | $541,287 | $124,800 |
| St. Louis County | $541,287 | $122,800 to $124,800 |
| Stearns County | $541,287 | $124,800 |
| Steele County | $541,287 | $134,550 |
| Stevens County | $541,287 | $124,800 |
| Swift County | $541,287 | $124,800 |
| Todd County | $541,287 | $124,800 |
| Traverse County | $541,287 | $124,800 |
| Wabasha County | $541,287 | $124,800 |
| Wadena County | $541,287 | $124,800 |
| Waseca County | $541,287 | $124,800 |
| Washington County | $552,000 | $124,800 to $152,250 |
| Watonwan County | $541,287 | $124,800 |
| Wilkin County | $541,287 | $124,800 |
| Winona County | $541,287 | $124,800 |
| Wright County | $552,000 | $124,800 to $152,250 |
| Yellow Medicine County | $541,287 | $124,800 |
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