FHA Loan Limits in Chisago County, Minnesota (2026)
From Chisago County, FHA buyers in Chisago County can finance a one-unit home up to $541,287 with 3.5% down in 2026. 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 Chisago County — Chisago County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Hennepin and Ramsey Counties.
What can you buy with FHA in Chisago County?
With Chisago County's median sale price estimated near $370,000 (think Chisago County), the FHA down payment is roughly $12,950. Factoring Minnesota property taxes near 1.11%, expect about $2,859 monthly, pointing to income near $111,000 — above Minnesota's $84,313 median household income, so budget carefully.
FHA payment scenarios in Chisago County
Here is what an FHA payment looks like at three Chisago County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $266,000 | $9,310 | $2,089 |
| Local median — $370,000 | $12,950 | $2,859 |
| At the FHA limit — $541,287 | $18,945 | $4,129 |
Estimates include FHA MIP plus Minnesota property taxes and insurance. Rates move daily near Chisago County too — get notified.
Buyers across Chisago County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $12,950 down payment near Chisago County into little out of pocket.
Multi-unit FHA limits in Chisago County
Looking at a duplex or fourplex near Chisago County? FHA allows up to $692,997 on two units and $1,041,072 on four in Chisago 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 Chisago County for 2026?
- In Chisago County (Chisago 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 Chisago County with FHA?
- For a median-priced ($370,000) Chisago County home, plan on income around $111,000 at a 31% housing ratio — about $2,859/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Chisago County?
- 3.5% with a 580+ score — roughly $12,950 on a $370,000 Chisago County-area home. Gift funds are allowed.
- Is Chisago County a high-cost FHA area?
- No — Chisago County uses the $541,287 national floor for one unit.