Avg Home Value
$345,000
Lending Limit
$1,209,750
Minnesota Housing Market Analysis
The housing market in Minnesota is stable, with average values sitting at $345,000. This places most homeowners comfortably within the FHA's lending limits, ensuring you get the full benefit of federal insurance protections.
Loan Limits in Minnesota
For 2026, the federal lending limit is $1,209,750.
Since the median home value in Minnesota is below this cap, your loan amount will be determined strictly by your age and current interest rates, not by the lending cap.
Specific Laws for Minnesota
Minnesota has specific regulations that go beyond federal HUD guidelines:
Minnesota requires lenders to provide a "suitability" disclosure to ensure the loan meets borrower needs.
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