MN mortgage rates

Douglas County

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

Douglas 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 Douglas 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 Douglas

A local view of the market.

The real estate market in Douglas County, Minnesota, is experiencing a seller's market, with the median home sold price reaching $339,133 as of October 2024. This represents a 4.8% increase from the previous year, and the median price per square foot is $174. The market conditions suggest that homes are selling relatively quickly and at higher prices compared to the previous year. Douglas County includes several notable cities, with Alexandria being the largest. Alexandria has a population of approximately 13,000 residents and serves as a central hub for the county. Other significant cities include Osakis and Miltona, which are smaller but contribute to the county's overall community and economic activities. Living in Douglas 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 agriculture, manufacturing, and tourism, with many residents attracted to the area for its natural beauty and recreational opportunities. Migration patterns indicate that people are moving to Douglas County for its quality of life, affordable housing, and the appeal of a more relaxed, rural environment compared to urban centers.

County snapshot

Market context.

MN

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

Market areaAlexandriaMapped market area
Area code10820CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Douglas County

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

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