FHA Loan Limits in Sherburne County, Minnesota (2026)
Sherburne County and the rest of Sherburne 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 |
Every community in Sherburne County — Sherburne County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Hennepin and Ramsey Counties.
How much home can you afford in Sherburne County?
With Sherburne County's median sale price estimated near $340,000 (think Sherburne County), the FHA down payment is roughly $11,900. Factoring Minnesota property taxes near 1.11%, expect about $2,637 monthly, pointing to income near $102,000 — above Minnesota's $84,313 median household income, so budget carefully.
FHA payment scenarios in Sherburne County
Here is what an FHA payment looks like at three Sherburne County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $245,000 | $8,575 | $1,933 |
| Local median — $340,000 | $11,900 | $2,637 |
| At the FHA limit — $541,287 | $18,945 | $4,129 |
Estimates include FHA MIP plus Minnesota property taxes and insurance. Rates move daily near Sherburne County too — get notified.
Buyers across Sherburne County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $11,900 down payment near Sherburne County into little out of pocket.
Multi-unit FHA limits in Sherburne County
Looking at a duplex or fourplex near Sherburne County? FHA allows up to $692,997 on two units and $1,041,072 on four in Sherburne 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 Sherburne County for 2026?
- In Sherburne County (Sherburne 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 Sherburne County with FHA?
- For a median-priced ($340,000) Sherburne County home, plan on income around $102,000 at a 31% housing ratio — about $2,637/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Sherburne County?
- 3.5% with a 580+ score — roughly $11,900 on a $340,000 Sherburne County-area home. Gift funds are allowed.
- Is Sherburne County a high-cost FHA area?
- No — Sherburne County uses the $541,287 national floor for one unit.