FHA Loan Limits in Blue Earth County, Minnesota (2026)
Blue Earth County and the rest of Blue Earth County, Minnesota fall under a 2026 one-unit FHA limit of $541,287. That matches the national FHA floor used across most of the Midwest.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
Every community in Blue Earth County — Blue Earth County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Hennepin and Ramsey Counties.
How much home can you afford in Blue Earth County?
With Blue Earth County's median sale price estimated near $333,000 (think Blue Earth County), the FHA down payment is roughly $11,655. Factoring Minnesota property taxes near 1.11%, expect about $2,585 monthly, pointing to income near $100,000 — above Minnesota's $84,313 median household income, so budget carefully.
FHA payment scenarios in Blue Earth County
Whether you are buying in Blue Earth County or a smaller Blue Earth County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $240,000 | $8,400 | $1,896 |
| Local median — $333,000 | $11,655 | $2,585 |
| At the FHA limit — $541,287 | $18,945 | $4,129 |
Estimates include FHA MIP plus Minnesota property taxes and insurance. Rates move daily near Blue Earth County too — get notified.
Buyers across Blue Earth County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $11,655 down payment near Blue Earth County into little out of pocket.
Multi-unit FHA limits in Blue Earth County
Investors and house-hackers in Blue Earth County and across Blue Earth County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Blue Earth County for 2026?
- In Blue Earth County (Blue Earth County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Blue Earth County with FHA?
- For a median-priced ($333,000) Blue Earth County home, plan on income around $100,000 at a 31% housing ratio — about $2,585/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Blue Earth County?
- 3.5% with a 580+ score — roughly $11,655 on a $333,000 Blue Earth County-area home. Gift funds are allowed.
- Is Blue Earth County a high-cost FHA area?
- No — Blue Earth County uses the $541,287 national floor for one unit.