MN mortgage rates

Blue Earth County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Blue Earth 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

Blue Earth 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 Blue Earth 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 Blue Earth

A local view of the market.

The real estate market in Blue Earth County, Minnesota, has seen a positive trend with the median listing home price reaching $339,900 as of October 2024, reflecting a 6.6% increase year-over-year. The median home sold price is slightly lower at $320,000, indicating a balanced market where homes are generally selling close to their listing prices. Blue Earth County comprises several cities, with Mankato being the largest, offering a median listing home price of $339,900. Other notable cities include Eagle Lake, with a median listing price of $430,000, and Madison Lake, where homes are listed at a median price of $365,000. Lake Crystal is another key city with a median listing price of $294,500. Living in Blue Earth County offers a mix of rural and suburban lifestyles, with a strong presence of agriculture and farming. The county's economy is supported by industries such as education, healthcare, and manufacturing, which attract new residents. The area's appeal includes its scenic landscapes and community-focused living, making it an attractive destination for those seeking a balance between rural charm and suburban convenience.

County snapshot

Market context.

MN

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

Market areaMankatoMapped market area
Area code31860CBSA / MSA reference
Featured communityMankatoFrom the county record
Data year2026Aligned with this limit record
Mankato
Top cities & communities

Communities to explore.

Mankato
Questions & Answers

Refinancing in Blue Earth County

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

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