MN mortgage rates

Big Stone County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Big Stone 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

Big Stone 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 Big Stone 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 Big Stone

A local view of the market.

The real estate market in Big Stone County, Minnesota, has seen some fluctuations in 2024. As of October, the median listing home price was $161,300, reflecting an 8.2% increase year-over-year. The median home sold price was slightly lower at $132,500, indicating that homes were selling for about 5.41% below the asking price on average. Big Stone County comprises several small cities, with Ortonville being the largest. Ortonville has a median listing home price of $162,500 and offers a mix of affordable homes and quick turnover in the housing market. Other notable cities include Clinton, Beardsley, and Graceville, each contributing to the county's rural charm and small-town atmosphere. Living in Big Stone County offers a predominantly rural lifestyle, with agriculture playing a significant role in the local economy. The county is characterized by its vast farmlands and small-town communities, providing a peaceful, suburban feel. The top industries include agriculture and small-scale manufacturing, attracting residents who appreciate a quieter, more laid-back lifestyle. People may be drawn to Big Stone County for its affordable housing and the opportunity to enjoy a close-knit community environment.

Questions & Answers

Refinancing in Big Stone County

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

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