FHA Loan Limits in Ramsey County, Minnesota (2026)
Buying in Ramsey County or elsewhere in Ramsey County? The 2026 FHA single-family limit across the county 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 |
From Ramsey County to the edges of Ramsey County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Hennepin and Dakota Counties.
FHA affordability around Ramsey County
Homes around Ramsey County carry an estimated local median near $404,000, so an FHA buyer in Ramsey County puts down about $14,140 (3.5%). With Minnesota's 1.11% effective property-tax rate, the all-in payment runs near $3,111 a month — comfortable on household income around $120,000, above Minnesota's $84,313 median household income, so budget carefully.
FHA payment scenarios in Ramsey County
Here is what an FHA payment looks like at three Ramsey County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $291,000 | $10,185 | $2,274 |
| Local median — $404,000 | $14,140 | $3,111 |
| At the FHA limit — $541,287 | $18,945 | $4,129 |
Estimates include FHA MIP plus Minnesota property taxes and insurance. Rates move daily near Ramsey County too — get notified.
First-time buyers make up much of FHA activity in Ramsey County and across Ramsey County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $14,140 needed on a median Ramsey County home.
Multi-unit FHA limits in Ramsey County
Looking at a duplex or fourplex near Ramsey County? FHA allows up to $692,997 on two units and $1,041,072 on four in Ramsey 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 Ramsey County for 2026?
- In Ramsey County (Ramsey 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 Ramsey County with FHA?
- For a median-priced ($404,000) Ramsey County home, plan on income around $120,000 at a 31% housing ratio — about $3,111/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Ramsey County?
- 3.5% with a 580+ score — roughly $14,140 on a $404,000 Ramsey County-area home. Gift funds are allowed.
- Is Ramsey County a high-cost FHA area?
- No — Ramsey County uses the $541,287 national floor for one unit.