MN mortgage rates

Itasca County

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

Itasca 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 Itasca 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
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Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Itasca

A local view of the market.

In October 2024, the real estate market in Itasca County, Minnesota, showed a median listing home price of $309,900, reflecting a 4.2% increase from the previous year. The median price per square foot was $180, and homes sold for a median price of $249,700. The top cities in Itasca County include Grand Rapids, Deer River, and Bovey. Grand Rapids, the largest city, has a population of approximately 11,000 people. Deer River and Bovey are smaller, with populations of around 900 and 800, respectively. Living in Itasca County offers a mix of rural and suburban lifestyles, with a strong presence of agriculture and forestry industries. The county's natural beauty and outdoor recreational opportunities attract people seeking a quieter, nature-oriented lifestyle. Migration patterns suggest that individuals move to Itasca County for its affordable housing and the appeal of a rural setting combined with community amenities.

County snapshot

Market context.

MN

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

Market areaGrand RapidsMapped market area
Area code24330CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Itasca County

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

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