MN mortgage rates

Benton County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Benton County, Minnesota. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Benton County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$541,287
2 units$693,050
3 units$837,700
4 units$1,041,125

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Benton County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate

Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Benton

A local view of the market.

The real estate market in Benton County, Minnesota, is currently experiencing a seller's market. As of October 2024, the median home sold price was $295,700, reflecting a 7.5% increase from the previous year. The average price per square foot is $154, and homes typically sell in about 22 days, indicating a relatively quick turnover in the market. Benton County includes several notable cities, with Sauk Rapids being one of the most prominent. Sauk Rapids has a population of approximately 13,000 residents, making it a significant urban center in the county. Foley, another key city, serves as the county seat and has a population of around 2,600. These cities contribute to the county's diverse community and economic landscape. Living in Benton County offers a mix of rural and suburban experiences. The area is characterized by its agricultural roots, with farming and agriculture playing a vital role in the local economy. The county's top industries include manufacturing, healthcare, and education, attracting residents seeking employment opportunities. People may be drawn to Benton County for its affordable housing, community-focused lifestyle, and proximity to larger urban areas like St. Cloud.

County snapshot

Market context.

MN

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaSt. CloudMapped market area
Area code41060CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Benton County

Common questions about 2026 loan limits and refinancing opportunities in Minnesota.

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