MN mortgage rates

Houston County

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

Houston 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 Houston 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 Houston

A local view of the market.

Houston County, Minnesota, is experiencing a seller's market with a median home sold price of $300,000 as of October 2024, reflecting an 11.5% increase from the previous year. The median price per square foot stands at $154, indicating a competitive real estate environment where homes are selling quickly and often above asking prices. The county includes several notable cities, with La Crescent being the largest, offering a vibrant community atmosphere. Caledonia, the county seat, is known for its historical significance and small-town charm. Other significant towns include Spring Grove and Hokah, each contributing to the county's overall population and cultural diversity. Living in Houston County offers a blend of rural and suburban lifestyles, with agriculture playing a significant role in the local economy. The county's landscape is dotted with farms and open spaces, providing a peaceful rural setting. Suburban life is also present, particularly in areas closer to La Crescent, offering residents a mix of tranquility and convenience. The top industries include agriculture, manufacturing, and healthcare, attracting people seeking a quieter lifestyle with access to essential services and employment opportunities. Migration patterns show a trend of individuals moving to the county for its affordable housing and quality of life.

County snapshot

Market context.

MN

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

Market areaLa Crosse-OnalaskaMapped market area
Area code29100CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Houston County

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

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