FHA Loan Limits in Carlton County, Minnesota (2026)
In Carlton County — anchored by Carlton County — the 2026 FHA loan limit for a single-family home is $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 |
These 2026 limits apply throughout Carlton County, from Carlton County outward, and sit alongside the limits set for neighboring Hennepin and Ramsey Counties.
Affording a home in Carlton County & Carlton County
With Carlton County's median sale price estimated near $400,000 (think Carlton County), the FHA down payment is roughly $14,000. Factoring Minnesota property taxes near 1.11%, expect about $3,082 monthly, pointing to income near $119,000 — above Minnesota's $84,313 median household income, so budget carefully.
FHA payment scenarios in Carlton County
FHA payments across Carlton County price points — from entry homes near Carlton County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $288,000 | $10,080 | $2,252 |
| Local median — $400,000 | $14,000 | $3,082 |
| At the FHA limit — $541,287 | $18,945 | $4,129 |
Estimates include FHA MIP plus Minnesota property taxes and insurance. Rates move daily near Carlton County too — get notified.
In Carlton County and the surrounding Carlton County market, FHA's appeal is the math: $14,000 down on a $400,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Carlton County
Carlton County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Carlton County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Carlton County for 2026?
- In Carlton County (Carlton 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 Carlton County with FHA?
- For a median-priced ($400,000) Carlton County home, plan on income around $119,000 at a 31% housing ratio — about $3,082/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Carlton County?
- 3.5% with a 580+ score — roughly $14,000 on a $400,000 Carlton County-area home. Gift funds are allowed.
- Is Carlton County a high-cost FHA area?
- No — Carlton County uses the $541,287 national floor for one unit.