Minnesota 2025 FHA Loan Limits

Last Updated: Sun, January 5, 2025

Loan Limits in Minnesota

Minnesota has 87 counties with FHA Limits ranging from a low of $524,225 for a 1-bedroom unit in Aitkin County to a high of $1,017,300 for a 4-bedroom unit in Anoka County.

For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of Minnesota's counties, choose the county from the interactive map or the list below.

Lowest Loan Limit ($1,008,300) †

Highest Loan Limit ($1,017,300)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

Loan Limits by County in Minnesota (87 counties)

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

How to qualify for an FHA Loan in Minnesota?

To qualify for an FHA loan in Minnesota, your home loan must be below the local FHA loan limits in your area. For 2025, the maximum loan limit in Minnesota is $524,225 for a single-family home and $1,017,300 for a four-plex. Limits varies by county. The minimum loan limit is $5,000.

Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. If you're purchasing a multi-family home, the monthly Fair Market Rent (FMR) for the property must exceed 1% of the purchase price. FHA loans cannot be used for commercial real estate investment purposes or "flipping" homes in Minnesota. Additional restricts apply. Click on the Minnesota map above or the table below to see loan limits in your area.

Minnesota 2025 FHA Loan Limits

Loan Limits in Minnesota

Loan Limits by County in Minnesota (87 counties)

How to qualify for an FHA Loan in Minnesota?

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