Clay County
Clear, current 2026 mortgage and refinance loan limits for homeowners in Clay 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.

2026 Mortgage Loan Limits
Clay County
Conforming Loan Limits
Per propertyFHA Loan Limits
Per propertyEstimate Your Refinance in Clay County
Use your current mortgage details to estimate a new refinance payment and potential monthly savings.
Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.
A local view of the market.
The real estate market in Clay County, Minnesota, has seen a modest increase over the past year, with the average home value reaching $278,816, reflecting a 0.6% rise. Homes in this area typically go to pending status in about 26 days, indicating a relatively active market. The top cities in Clay County include Moorhead, which is the largest city with a population of approximately 44,000, and Dilworth, with around 4,500 residents. These cities serve as key urban centers in the county, providing a mix of suburban and small-town living experiences. Living in Clay County offers a blend of rural and suburban lifestyles, with agriculture playing a significant role in the local economy. The county is characterized by its farming communities and suburban developments, attracting residents who appreciate a quieter lifestyle with access to urban amenities. The top industries include education, healthcare, and agriculture, which drive the local economy. People are often drawn to Clay County for its affordable housing, community-oriented environment, and proximity to larger metropolitan areas like Fargo, North Dakota.
Market context.
Public location data associated with this county record. Optional fields are shown only when present in the source.
Communities to explore.
Refinancing in Clay County
Common questions about 2026 loan limits and refinancing opportunities in Minnesota.
Your rate opportunity should feel clear.
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