FHA Loan Limits in Carver County, Minnesota (2026)
In Carver County — anchored by Carver 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 Carver County, from Carver County outward, and sit alongside the limits set for neighboring Hennepin and Ramsey Counties.
Affording a home in Carver County & Carver County
An FHA buyer near Carver County faces an estimated $327,000 median, a $11,445 down payment, and — after Minnesota's 1.11% property tax — a monthly cost around $2,541. That suits household income of roughly $98,000, above Minnesota's $84,313 median household income, so budget carefully.
FHA payment scenarios in Carver County
Here is what an FHA payment looks like at three Carver County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $235,000 | $8,225 | $1,859 |
| Local median — $327,000 | $11,445 | $2,541 |
| At the FHA limit — $541,287 | $18,945 | $4,129 |
Estimates include FHA MIP plus Minnesota property taxes and insurance. Rates move daily near Carver County too — get notified.
In Carver County and the surrounding Carver County market, FHA's appeal is the math: $11,445 down on a $327,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Carver County
Looking at a duplex or fourplex near Carver County? FHA allows up to $692,997 on two units and $1,041,072 on four in Carver County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Carver County for 2026?
- In Carver County (Carver 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 Carver County with FHA?
- For a median-priced ($327,000) Carver County home, plan on income around $98,000 at a 31% housing ratio — about $2,541/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Carver County?
- 3.5% with a 580+ score — roughly $11,445 on a $327,000 Carver County-area home. Gift funds are allowed.
- Is Carver County a high-cost FHA area?
- No — Carver County uses the $541,287 national floor for one unit.