FHA Loan Limits in Itasca County, Minnesota (2026)
In Itasca County — anchored by Itasca 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 |
Every community in Itasca County — Itasca County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Hennepin and Ramsey Counties.
Affording a home in Itasca County & Itasca County
Homes around Itasca County carry an estimated local median near $323,000, so an FHA buyer in Itasca County puts down about $11,305 (3.5%). With Minnesota's 1.11% effective property-tax rate, the all-in payment runs near $2,511 a month — comfortable on household income around $97,000, above Minnesota's $84,313 median household income, so budget carefully.
FHA payment scenarios in Itasca County
FHA payments across Itasca County price points — from entry homes near Itasca County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $233,000 | $8,155 | $1,844 |
| Local median — $323,000 | $11,305 | $2,511 |
| At the FHA limit — $541,287 | $18,945 | $4,129 |
Estimates include FHA MIP plus Minnesota property taxes and insurance. Rates move daily near Itasca County too — get notified.
Buyers across Itasca County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $11,305 down payment near Itasca County into little out of pocket.
Multi-unit FHA limits in Itasca County
Itasca County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Itasca 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 Itasca County for 2026?
- In Itasca County (Itasca 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 Itasca County with FHA?
- For a median-priced ($323,000) Itasca County home, plan on income around $97,000 at a 31% housing ratio — about $2,511/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Itasca County?
- 3.5% with a 580+ score — roughly $11,305 on a $323,000 Itasca County-area home. Gift funds are allowed.
- Is Itasca County a high-cost FHA area?
- No — Itasca County uses the $541,287 national floor for one unit.