MN mortgage rates

Roseau County

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

Roseau 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 Roseau 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 Roseau

A local view of the market.

The real estate market in Roseau County, Minnesota, is currently characterized as a buyer's market, with the median home sold price reaching $200,000 as of October 2024. This represents a 10.5% increase from the previous year, indicating a rising trend in property values. The top cities in Roseau County include Roseau, Warroad, Greenbush, and Badger. Roseau, the county seat, has a population of approximately 2,676, while Warroad has around 1,826 residents. Greenbush and Badger have smaller populations, with 683 and 429 residents, respectively. Living in Roseau County offers a mix of rural and suburban experiences, with a strong emphasis on agriculture and manufacturing. The county is known for its agricultural activities and is home to Polaris Industries, which contributes significantly to the local economy. Migration patterns suggest that people are moving to Roseau County for its simpler lifestyle and employment opportunities in manufacturing and agriculture.

Questions & Answers

Refinancing in Roseau County

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

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