Minnesota 2023 FHA Loan Limits

Last Updated: Mon, January 2, 2023

Loan Limits in Minnesota

Minnesota has 87 counties with FHA Limits ranging from a low of $472,030 for a 1-bedroom unit in Aitkin County to a high of $990,800 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 ($907,900) †

Highest Loan Limit ($990,800)

† 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	$472,030	$907,900	view details »
Anoka County	$515,200	$990,800	view details »
Becker County	$472,030	$907,900	view details »
Beltrami County	$472,030	$907,900	view details »
Benton County	$472,030	$907,900	view details »
Big Stone County	$472,030	$907,900	view details »
Blue Earth County	$472,030	$907,900	view details »
Brown County	$472,030	$907,900	view details »
Carlton County	$472,030	$907,900	view details »
Carver County	$515,200	$990,800	view details »
Cass County	$472,030	$907,900	view details »
Chippewa County	$472,030	$907,900	view details »
Chisago County	$515,200	$990,800	view details »
Clay County	$472,030	$907,900	view details »
Clearwater County	$472,030	$907,900	view details »
Cook County	$472,030	$907,900	view details »
Cottonwood County	$472,030	$907,900	view details »
Crow Wing County	$472,030	$907,900	view details »
Dakota County	$515,200	$990,800	view details »
Dodge County	$472,030	$907,900	view details »
Douglas County	$472,030	$907,900	view details »
Faribault County	$472,030	$907,900	view details »
Fillmore County	$472,030	$907,900	view details »
Freeborn County	$472,030	$907,900	view details »
Goodhue County	$472,030	$907,900	view details »
Grant County	$472,030	$907,900	view details »
Hennepin County	$515,200	$990,800	view details »
Houston County	$472,030	$907,900	view details »
Hubbard County	$472,030	$907,900	view details »
Isanti County	$515,200	$990,800	view details »
Itasca County	$472,030	$907,900	view details »
Jackson County	$472,030	$907,900	view details »
Kanabec County	$472,030	$907,900	view details »
Kandiyohi County	$472,030	$907,900	view details »
Kittson County	$472,030	$907,900	view details »
Koochiching County	$472,030	$907,900	view details »
Lac Qui Parle County	$472,030	$907,900	view details »
Lake County	$472,030	$907,900	view details »
Lake Of The Woods County	$472,030	$907,900	view details »
Le Sueur County	$515,200	$990,800	view details »
Lincoln County	$472,030	$907,900	view details »
Lyon County	$472,030	$907,900	view details »
Mcleod County	$472,030	$907,900	view details »
Mahnomen County	$472,030	$907,900	view details »
Marshall County	$472,030	$907,900	view details »
Martin County	$472,030	$907,900	view details »
Meeker County	$472,030	$907,900	view details »
Mille Lacs County	$515,200	$990,800	view details »
Morrison County	$472,030	$907,900	view details »
Mower County	$472,030	$907,900	view details »
Murray County	$472,030	$907,900	view details »
Nicollet County	$472,030	$907,900	view details »
Nobles County	$472,030	$907,900	view details »
Norman County	$472,030	$907,900	view details »
Olmsted County	$472,030	$907,900	view details »
Otter Tail County	$472,030	$907,900	view details »
Pennington County	$472,030	$907,900	view details »
Pine County	$472,030	$907,900	view details »
Pipestone County	$472,030	$907,900	view details »
Polk County	$472,030	$907,900	view details »
Pope County	$472,030	$907,900	view details »
Ramsey County	$515,200	$990,800	view details »
Red Lake County	$472,030	$907,900	view details »
Redwood County	$472,030	$907,900	view details »
Renville County	$472,030	$907,900	view details »
Rice County	$472,030	$907,900	view details »
Rock County	$472,030	$907,900	view details »
Roseau County	$472,030	$907,900	view details »
St. Louis County	$472,030	$907,900	view details »
Scott County	$515,200	$990,800	view details »
Sherburne County	$515,200	$990,800	view details »
Sibley County	$472,030	$907,900	view details »
Stearns County	$472,030	$907,900	view details »
Steele County	$472,030	$907,900	view details »
Stevens County	$472,030	$907,900	view details »
Swift County	$472,030	$907,900	view details »
Todd County	$472,030	$907,900	view details »
Traverse County	$472,030	$907,900	view details »
Wabasha County	$472,030	$907,900	view details »
Wadena County	$472,030	$907,900	view details »
Waseca County	$472,030	$907,900	view details »
Washington County	$515,200	$990,800	view details »
Watonwan County	$472,030	$907,900	view details »
Wilkin County	$472,030	$907,900	view details »
Winona County	$472,030	$907,900	view details »
Wright County	$515,200	$990,800	view details »
Yellow Medicine County	$472,030	$907,900	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 2023, the maximum loan limit in Minnesota is $472,030 for a single-family home and $990,800 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 2023 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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