What Is the FHA Loan Limit in McLeod County?

The 2026 FHA one-unit cap in McLeod County is $541,287. Two-unit is $693,050, three-unit is $837,700, and four-unit is $1,041,125. Limits are set by county. The property address picks the county when a ZIP lists more than one.

Are USDA Loans Available in McLeod County?

USDA property eligibility is the street address, not the county. McLeod County is not scored as eligible or ineligible as a whole. Enter a ZIP on the property eligibility map, then confirm a specific address with a lender.

What Is the USDA Income Limit in McLeod County?

USDA 502 Guaranteed 1–4 person moderate income in McLeod County is $125,200. The 5–8 person figure is $165,300. Enter a ZIP to confirm the figure for a specific area.

Does a County Decide USDA Property Eligibility?

No. USDA scores the property address. This page lists FHA 1–4 unit caps and USDA 502 Guaranteed moderate income figures that appear in McLeod County. Income can split a county. Neither figure marks the county as USDA eligible or ineligible.

FHA Loan Limits and USDA Eligibility in McLeod County, Minnesota

2026 FHA one-unit limit in McLeod County is $541,287. Two-unit is $693,050, three-unit is $837,700, and four-unit is $1,041,125. USDA 502 Guaranteed 1–4 person moderate income is $125,200. Enter a ZIP on the maps. USDA scores the property address, not the county.

2026 FHA Loan Limits Map for Minnesota

Minnesota one-unit limits: —

Loading FHA loan limits map…

Loading Minnesota…

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

Loading USDA map…

Loading Minnesota…

EligibleIneligibleUSDA ineligible boundary

McLeod County FHA Loan Limits and USDA Income

FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when a ZIP lists more than one cap, both are listed. This table does not mark a ZIP as USDA eligible or ineligible.

ZIP	FHA one-unit loan limit	USDA 1–4 person moderate income
55312	$541,287	$124,800 to $125,200
55336	$541,287	$124,800 to $125,200
55350	$541,287	$124,800 to $125,200
55354	$541,287	$125,200
55370	$541,287	$125,200
55381	$541,287	$125,200
55385	$541,287	$124,800 to $125,200
55395	$541,287	$124,800 to $125,200

Connect with a lender to confirm FHA loan limits, USDA income limits, and a specific McLeod County address. Only a lender can confirm official program requirements.

Get your answer

Loan Options in McLeod County

A licensed lender can confirm USDA property eligibility, household income, and the FHA county cap for a specific McLeod County address. Then they can match you if you qualify.

Connect with a lender

Homebuyers reviewing loan options with a mortgage professional

NMLS-licensed lenders Fast Lender Matching No initial credit impact

FAQ for McLeod County

Learn More

Minnesota FHA limits and USDA eligibility FHA loan limits map USDA property eligibility map USDA income limits map FHA loan program USDA loan program