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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$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Anoka One Family$515,200 Two Family$659,550 Three Family$797,250 Four Family$990,800
Becker One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Beltrami One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Benton One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Big Stone One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Blue Earth One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Brown One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Carlton One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Carver One Family$515,200 Two Family$659,550 Three Family$797,250 Four Family$990,800
Cass One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Chippewa One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Chisago One Family$515,200 Two Family$659,550 Three Family$797,250 Four Family$990,800
Clay One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Clearwater One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Cook One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Cottonwood One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Crow Wing One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Dakota One Family$515,200 Two Family$659,550 Three Family$797,250 Four Family$990,800
Dodge One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Douglas One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Faribault One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Fillmore One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Freeborn One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Goodhue One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Grant One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hennepin One Family$515,200 Two Family$659,550 Three Family$797,250 Four Family$990,800
Houston One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hubbard One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Isanti One Family$515,200 Two Family$659,550 Three Family$797,250 Four Family$990,800
Itasca One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Jackson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Kanabec One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Kandiyohi One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Kittson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Koochiching One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lac Qui Parle One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lake One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lake Of The Woo One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Le Sueur One Family$515,200 Two Family$659,550 Three Family$797,250 Four Family$990,800
Lincoln One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lyon One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mahnomen One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Marshall One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Martin One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mcleod One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Meeker One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mille Lacs One Family$515,200 Two Family$659,550 Three Family$797,250 Four Family$990,800
Morrison One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mower One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Murray One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Nicollet One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Nobles One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Norman One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Olmsted One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Otter Tail One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Pennington One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Pine One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Pipestone One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Polk One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Pope One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Ramsey One Family$515,200 Two Family$659,550 Three Family$797,250 Four Family$990,800
Red Lake One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Redwood One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Renville One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Rice One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Rock One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Roseau One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Scott One Family$515,200 Two Family$659,550 Three Family$797,250 Four Family$990,800
Sherburne One Family$515,200 Two Family$659,550 Three Family$797,250 Four Family$990,800
Sibley One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
St. Louis One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Stearns One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Steele One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Stevens One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Swift One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Todd One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Traverse One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Wabasha One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Wadena One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Waseca One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Washington One Family$515,200 Two Family$659,550 Three Family$797,250 Four Family$990,800
Watonwan One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Wilkin One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Winona One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Wright One Family$515,200 Two Family$659,550 Three Family$797,250 Four Family$990,800
Yellow Medicine One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350

Mortgage Rates by State

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