FHA Loan Limits in Goodhue County, Minnesota (2026)
In Goodhue County — anchored by Goodhue 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 Goodhue County, from Goodhue County outward, and sit alongside the limits set for neighboring Hennepin and Ramsey Counties.
Affording a home in Goodhue County & Goodhue County
An FHA buyer near Goodhue County faces an estimated $380,000 median, a $13,300 down payment, and — after Minnesota's 1.11% property tax — a monthly cost around $2,934. That suits household income of roughly $114,000, above Minnesota's $84,313 median household income, so budget carefully.
FHA payment scenarios in Goodhue County
Whether you are buying in Goodhue County or a smaller Goodhue 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 — $274,000 | $9,590 | $2,148 |
| Local median — $380,000 | $13,300 | $2,934 |
| At the FHA limit — $541,287 | $18,945 | $4,129 |
Estimates include FHA MIP plus Minnesota property taxes and insurance. Rates move daily near Goodhue County too — get notified.
In Goodhue County and the surrounding Goodhue County market, FHA's appeal is the math: $13,300 down on a $380,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Goodhue County
Investors and house-hackers in Goodhue County and across Goodhue 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.
FHA Alerts, Free to Your Inbox
Free to join in under 30 seconds. Get notified when it is time to act.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Goodhue County for 2026?
- In Goodhue County (Goodhue 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 Goodhue County with FHA?
- For a median-priced ($380,000) Goodhue County home, plan on income around $114,000 at a 31% housing ratio — about $2,934/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Goodhue County?
- 3.5% with a 580+ score — roughly $13,300 on a $380,000 Goodhue County-area home. Gift funds are allowed.
- Is Goodhue County a high-cost FHA area?
- No — Goodhue County uses the $541,287 national floor for one unit.