MN mortgage rates

Goodhue County

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

Goodhue 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 Goodhue 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 Goodhue

A local view of the market.

The real estate market in Goodhue County, Minnesota, is experiencing a seller's market as of 2024. The median home sold price in October 2024 was $304,050, reflecting an 8.6% increase from the previous year. The median price per square foot was $165, indicating a strong demand for housing in the area. Goodhue County includes several notable cities, with Red Wing being the largest, known for its historic sites and a population of approximately 16,000. Cannon Falls, another significant city, offers a quaint small-town atmosphere with a population of around 4,000. Zumbrota and Pine Island are also key cities, each with populations of about 3,500 and 3,300, respectively, contributing to the county's vibrant community life. Living in Goodhue County provides a mix of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county is characterized by its scenic landscapes and farming communities, offering a peaceful lifestyle. The top industries include manufacturing, healthcare, and education, attracting families and professionals seeking a balance between rural charm and suburban convenience. Migration patterns suggest that people are moving to Goodhue County for its affordable housing, quality of life, and proximity to larger urban centers like Minneapolis and St. Paul.

County snapshot

Market context.

MN

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

Market areaRed WingMapped market area
Area code39860CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Goodhue County

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

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