MN mortgage rates

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.

Official InstaRefi video preview
Watch InstaRefi Overview
2026 limits

2026 Mortgage Loan Limits

Clay 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.

View all Minnesota counties
Refinance Payment Estimate

Estimate Your Refinance in Clay 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 Clay

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.

County snapshot

Market context.

MN

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

Market areaFargoMapped market area
Area code22020CBSA / MSA reference
Featured communityMoorheadFrom the county record
Data year2026Aligned with this limit record
Moorhead
Top cities & communities

Communities to explore.

Moorhead
Questions & Answers

Refinancing in Clay County

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

Make the next move with confidence

Your rate opportunity should feel clear.

InstaRefi monitors the market and helps you decide when a conversation may be worth your time. No pressure. No unnecessary credit checks.

No SSN required to get alerts No impact to your credit to check Helpful by email and text
Your data stays protected.We use encryption and privacy practices designed around your trust.Read our privacy policy
Always on your side

Never miss a refinance opportunity.

Get clear, timely mortgage alerts without hurting your credit.