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Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Current FHA Mortgage Rates in MN - Minnesota FHA Mortgage

Minnesota Mortgages

2024 FHA Loan Limits for Minnesota

FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners who want to refinance.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

Learn more about FHA loans or calculate FHA loan costs and compare FHA loans against conventional low-downpayment mortgage programs.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2024 FHA loan limits for each county in Minnesota are below.

Select County
County Name One Family Two Family Three Family Four Family
Aitkin One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Anoka One Family$529,000 Two Family$677,200 Three Family$818,600 Four Family$1,017,300
Becker One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Beltrami One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Benton One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Big Stone One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Blue Earth One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Brown One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Carlton One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Carver One Family$529,000 Two Family$677,200 Three Family$818,600 Four Family$1,017,300
Cass One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Chippewa One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Chisago One Family$529,000 Two Family$677,200 Three Family$818,600 Four Family$1,017,300
Clay One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Clearwater One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Cook One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Cottonwood One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Crow Wing One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Dakota One Family$529,000 Two Family$677,200 Three Family$818,600 Four Family$1,017,300
Dodge One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Douglas One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Faribault One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Fillmore One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Freeborn One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Goodhue One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Grant One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hennepin One Family$529,000 Two Family$677,200 Three Family$818,600 Four Family$1,017,300
Houston One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hubbard One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Isanti One Family$529,000 Two Family$677,200 Three Family$818,600 Four Family$1,017,300
Itasca One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jackson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Kanabec One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Kandiyohi One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Kittson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Koochiching One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lac Qui Parle One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lake One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lake Of The Woo One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Le Sueur One Family$529,000 Two Family$677,200 Three Family$818,600 Four Family$1,017,300
Lincoln One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lyon One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Mahnomen One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Marshall One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Martin One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Mcleod One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Meeker One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Mille Lacs One Family$529,000 Two Family$677,200 Three Family$818,600 Four Family$1,017,300
Morrison One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Mower One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Murray One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Nicollet One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Nobles One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Norman One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Olmsted One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Otter Tail One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Pennington One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Pine One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Pipestone One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Polk One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Pope One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Ramsey One Family$529,000 Two Family$677,200 Three Family$818,600 Four Family$1,017,300
Red Lake One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Redwood One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Renville One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Rice One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Rock One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Roseau One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Scott One Family$529,000 Two Family$677,200 Three Family$818,600 Four Family$1,017,300
Sherburne One Family$529,000 Two Family$677,200 Three Family$818,600 Four Family$1,017,300
Sibley One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
St. Louis One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Stearns One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Steele One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Stevens One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Swift One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Todd One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Traverse One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Wabasha One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Wadena One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Waseca One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Washington One Family$529,000 Two Family$677,200 Three Family$818,600 Four Family$1,017,300
Watonwan One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Wilkin One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Winona One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Wright One Family$529,000 Two Family$677,200 Three Family$818,600 Four Family$1,017,300
Yellow Medicine One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300

Mortgage Rates by State

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