MN mortgage rates

Kandiyohi County

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

Kandiyohi 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 Kandiyohi 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 Kandiyohi

A local view of the market.

The real estate market in Kandiyohi County, Minnesota, is experiencing significant growth. As of October 2024, the median home sold price was $284,925, marking a 14% increase from the previous year. The median price per square foot stood at $148, indicating a robust seller's market where homes tend to sell quickly and often above the asking price. Kandiyohi County is home to several key cities, with Willmar being the largest, boasting a population of approximately 21,032. Other notable cities include New London with a population of 1,253, Atwater with 1,122 residents, and Spicer, home to 1,110 people. Living in Kandiyohi County offers a blend of rural and suburban experiences, with options ranging from scenic lake houses to spacious farms and suburban retreats. The county's economy is supported by top industries such as agriculture, manufacturing, and healthcare. The area's appeal lies in its affordable housing, natural beauty, and strong community ties, attracting both families and retirees looking for a peaceful lifestyle.

County snapshot

Market context.

MN

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

Market areaWillmarMapped market area
Area code48820CBSA / MSA reference
Featured communityWillmarFrom the county record
Data year2026Aligned with this limit record
Willmar
Top cities & communities

Communities to explore.

Willmar
Questions & Answers

Refinancing in Kandiyohi County

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

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