MN mortgage rates

Clearwater County

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

Clearwater 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 Clearwater 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 Clearwater

A local view of the market.

Clearwater County, Minnesota, has seen a significant increase in real estate market activity in 2024. The median listing home price in the county was $330,000 in October 2024, reflecting a substantial year-over-year increase of 69.2%. The median price per square foot was $155, while homes sold for a median price of $197,500, indicating a buyer's market where homes typically sell for 3.13% below the asking price. The county includes several notable cities, with Bagley being the most expensive, having a median listing home price of $275,000. Shevlin is the most affordable city, with a median listing price of $161,500. Other cities like Pinewood and Clearbrook also contribute to the county's diverse real estate landscape, each offering unique living experiences and amenities. Living in Clearwater County offers a blend of rural and suburban lifestyles, with a strong emphasis on agriculture and farming. The county's economy is supported by industries such as agriculture, forestry, and manufacturing. The area's natural beauty and rural charm attract individuals seeking a quieter lifestyle, contributing to migration patterns where people move to enjoy the county's scenic landscapes and community-oriented living.

Questions & Answers

Refinancing in Clearwater County

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

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