FHA Loan Limits in Stearns County, Minnesota (2026)
From Stearns County, FHA buyers in Stearns County can finance a one-unit home up to $541,287 with 3.5% down in 2026. 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 Stearns County — Stearns County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Hennepin and Ramsey Counties.
What can you buy with FHA in Stearns County?
With Stearns County's median sale price estimated near $307,000 (think Stearns County), the FHA down payment is roughly $10,745. Factoring Minnesota property taxes near 1.11%, expect about $2,392 monthly, pointing to income near $93,000 — above Minnesota's $84,313 median household income, so budget carefully.
FHA payment scenarios in Stearns County
Here is what an FHA payment looks like at three Stearns County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $221,000 | $7,735 | $1,755 |
| Local median — $307,000 | $10,745 | $2,392 |
| At the FHA limit — $541,287 | $18,945 | $4,129 |
Estimates include FHA MIP plus Minnesota property taxes and insurance. Rates move daily near Stearns County too — get notified.
Buyers across Stearns County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $10,745 down payment near Stearns County into little out of pocket.
Multi-unit FHA limits in Stearns County
Looking at a duplex or fourplex near Stearns County? FHA allows up to $692,997 on two units and $1,041,072 on four in Stearns 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 Stearns County for 2026?
- In Stearns County (Stearns 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 Stearns County with FHA?
- For a median-priced ($307,000) Stearns County home, plan on income around $93,000 at a 31% housing ratio — about $2,392/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Stearns County?
- 3.5% with a 580+ score — roughly $10,745 on a $307,000 Stearns County-area home. Gift funds are allowed.
- Is Stearns County a high-cost FHA area?
- No — Stearns County uses the $541,287 national floor for one unit.