FHA Loan Limits in Crow Wing County, Minnesota (2026)
Crow Wing County and the rest of Crow Wing 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 |
These 2026 limits apply throughout Crow Wing County, from Crow Wing County outward, and sit alongside the limits set for neighboring Hennepin and Ramsey Counties.
How much home can you afford in Crow Wing County?
Homes around Crow Wing County carry an estimated local median near $327,000, so an FHA buyer in Crow Wing County puts down about $11,445 (3.5%). With Minnesota's 1.11% effective property-tax rate, the all-in payment runs near $2,541 a month — comfortable on household income around $98,000, above Minnesota's $84,313 median household income, so budget carefully.
FHA payment scenarios in Crow Wing County
Whether you are buying in Crow Wing County or a smaller Crow Wing 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 — $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 Crow Wing County too — get notified.
In Crow Wing County and the surrounding Crow Wing 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 Crow Wing County
Investors and house-hackers in Crow Wing County and across Crow Wing 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 Crow Wing County for 2026?
- In Crow Wing County (Crow Wing 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 Crow Wing County with FHA?
- For a median-priced ($327,000) Crow Wing 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 Crow Wing County?
- 3.5% with a 580+ score — roughly $11,445 on a $327,000 Crow Wing County-area home. Gift funds are allowed.
- Is Crow Wing County a high-cost FHA area?
- No — Crow Wing County uses the $541,287 national floor for one unit.