FHA Loan Limits in Winona County, Minnesota (2026)
From Winona County, FHA buyers in Winona 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 |
From Winona County to the edges of Winona County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Hennepin and Ramsey Counties.
What can you buy with FHA in Winona County?
An FHA buyer near Winona County faces an estimated $327,000 median, a $11,445 down payment, and — after Minnesota's 1.11% property tax — a monthly cost around $2,541. That suits household income of roughly $98,000, above Minnesota's $84,313 median household income, so budget carefully.
FHA payment scenarios in Winona County
Whether you are buying in Winona County or a smaller Winona 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 — $235,000 | $8,225 | $1,859 |
| Local median — $327,000 | $11,445 | $2,541 |
| At the FHA limit — $541,287 | $18,945 | $4,129 |
Estimates include FHA MIP plus Minnesota property taxes and insurance. Rates move daily near Winona County too — get notified.
First-time buyers make up much of FHA activity in Winona County and across Winona County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $11,445 needed on a median Winona County home.
Multi-unit FHA limits in Winona County
Investors and house-hackers in Winona County and across Winona 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 Winona County for 2026?
- In Winona County (Winona 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 Winona County with FHA?
- For a median-priced ($327,000) Winona County home, plan on income around $98,000 at a 31% housing ratio — about $2,541/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Winona County?
- 3.5% with a 580+ score — roughly $11,445 on a $327,000 Winona County-area home. Gift funds are allowed.
- Is Winona County a high-cost FHA area?
- No — Winona County uses the $541,287 national floor for one unit.