MN mortgage rates

Pine County

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

Pine 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 Pine 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 Pine

A local view of the market.

Pine County, Minnesota's real estate market is experiencing a steady increase in home values, with the median listing price reaching $319,000 in October 2024, marking a 4.6% rise from the previous year. The median price per square foot is $201, and homes typically sell for a median price of $335,000, indicating a balanced market where supply and demand are relatively equal. The top cities in Pine County include Pine City, Sandstone, Hinckley, and Rock Creek. Pine City is the largest, with a population of 3,898, followed by Sandstone with 2,477 residents, Hinckley with 1,946, and Rock Creek with 1,814. Living in Pine County offers a mix of rural and suburban lifestyles, with a significant portion of the area dedicated to agriculture and farming. The county is experiencing growth due to its appeal as a rural retreat with affordable housing and a strong sense of community. Key industries include agriculture, manufacturing, and tourism, drawing people seeking a quieter life away from urban centers.

Questions & Answers

Refinancing in Pine County

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

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