FHA Loan Limits in St. Louis County, Minnesota (2026)
Buying in St. Louis County or elsewhere in St. Louis 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 St. Louis County to the edges of St. Louis County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Hennepin and Ramsey Counties.
FHA affordability around St. Louis County
With St. Louis County's median sale price estimated near $337,000 (think St. Louis County), the FHA down payment is roughly $11,795. Factoring Minnesota property taxes near 1.11%, expect about $2,615 monthly, pointing to income near $101,000 — above Minnesota's $84,313 median household income, so budget carefully.
FHA payment scenarios in St. Louis County
Whether you are buying in St. Louis County or a smaller St. Louis 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 — $243,000 | $8,505 | $1,918 |
| Local median — $337,000 | $11,795 | $2,615 |
| At the FHA limit — $541,287 | $18,945 | $4,129 |
Estimates include FHA MIP plus Minnesota property taxes and insurance. Rates move daily near St. Louis County too — get notified.
First-time buyers make up much of FHA activity in St. Louis County and across St. Louis County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $11,795 needed on a median St. Louis County home.
Multi-unit FHA limits in St. Louis County
Investors and house-hackers in St. Louis County and across St. Louis 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 St. Louis County for 2026?
- In St. Louis County (St. Louis 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 St. Louis County with FHA?
- For a median-priced ($337,000) St. Louis County home, plan on income around $101,000 at a 31% housing ratio — about $2,615/month including taxes, insurance, and MIP.
- How much is the FHA down payment in St. Louis County?
- 3.5% with a 580+ score — roughly $11,795 on a $337,000 St. Louis County-area home. Gift funds are allowed.
- Is St. Louis County a high-cost FHA area?
- No — St. Louis County uses the $541,287 national floor for one unit.