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Wait, what? It's true... relative home affordability improved in the third quarter of 2024 in a majority of the nation's housing markets. Was yours one of them?

Wait, what? It's true... relative home affordability improved in the third quarter of 2024 in a majority of the nation's housing markets. Was yours one of them?

Today's Minnesota Mortgage Rates in the HSH Lender Showcase

Minnesota Mortgages

Minnesota home buyers and current home owners have the opportunity to put down roots in a modern Minneapolis high-rise, refinance their Rochester single-family home, or invest in a vacation home on the shores of Minnesota's legendary ten thousand lakes.

HSH.com features local information on Minnesota mortgage rates and lenders to help with your financing decisions. Take advantage of resources such as current MN mortgage rates and mortgage calculators. These research tools help you determine whether to purchase or rent a home, whether you can save money by refinancing your mortgage, how much it will cost to tap into your home equity, and more. If the numbers work out in your favor, you could make a solid investment in your future or lower your current mortgage payments.

Make an informed decision with HSH.com's MN mortgage rates and other research resources. For more information on Minnesota mortgages, contact a qualified lender for a quote.

Minnesota Conventional Mortgage

A conventional mortgage loan is generally a loan made using private mortgage money and not backed by a government entity, such as FHA, VA or USDA. Conventional mortgages are available in fixed rate and adjustable rate varieties and with a wide range of terms. A conventional loan that meets a number of specific criteria can be sold to Fannie Mae or Freddie Mac and is known as conventional conforming mortgage.

2024 Conforming loan limits for Minnesota

Select County
County Name One Family Two Family Three Family Four Family
Aitkin County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Anoka County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Becker County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Beltrami County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Benton County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Big Stone County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Blue Earth County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Brown County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Carlton County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Carver County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Cass County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Chippewa County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Chisago County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Clay County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Clearwater County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Cook County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Cottonwood County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Crow Wing County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Dakota County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Dodge County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Douglas County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Faribault County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Fillmore County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Freeborn County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Goodhue County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Grant County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Hennepin County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Houston County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Hubbard County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Isanti County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Itasca County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Jackson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Kanabec County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Kandiyohi County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Kittson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Koochiching County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Lac Qui Parle County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Lake County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Lake Of The Woods County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Le Sueur County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Lincoln County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Lyon County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Mahnomen County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Marshall County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Martin County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Mcleod County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Meeker County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Mille Lacs County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Morrison County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Mower County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Murray County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Nicollet County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Nobles County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Norman County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Olmsted County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Otter Tail County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Pennington County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Pine County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Pipestone County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Polk County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Pope County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Ramsey County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Red Lake County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Redwood County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Renville County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Rice County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Rock County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Roseau County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Scott County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Sherburne County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Sibley County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
St. Louis County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Stearns County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Steele County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Stevens County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Swift County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Todd County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Traverse County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Wabasha County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Wadena County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Waseca County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Washington County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Watonwan County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Wilkin County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Winona County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Wright County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Yellow Medicine County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400

Mortgage Rates by State

Mortgage rates by loan term and type

Today's Mortgage Rates
30-year fixed mortgage rates
15-year fixed mortgage rates
20-year fixed mortgage rates
10-year fixed mortgage rates
5/1 Adjustable Rate Mortgage Rates
7/1 Adjustable Rate Mortgage Rates
10/1 Adjustable Rate Mortgage Rates
VA mortgage rates
FHA mortgage rates
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