MN mortgage rates

Scott County

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

Scott 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$552,000
2 units$706,650
3 units$854,200
4 units$1,061,550

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 Scott 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 Scott

A local view of the market.

Scott County, Minnesota, has a dynamic real estate market with a median home value of approximately $430,622, reflecting a slight increase of 0.3% over the past year. Homes in the county typically go pending in about 26 days, indicating a relatively brisk market pace. The county includes several prominent cities, with Shakopee being the largest, boasting a population of around 42,000. Other notable cities include Prior Lake, with a population of about 26,000, and Savage, which is home to approximately 31,000 residents. These cities offer a mix of suburban and semi-rural living environments, contributing to the county's appeal. Living in Scott County offers a blend of suburban and rural experiences, with agriculture playing a significant role in the local economy. The county is known for its suburban lifestyle, with many residents commuting to the Twin Cities for work. Key industries include manufacturing, retail, and healthcare, attracting people seeking a balance between rural charm and suburban convenience. The county's growth is partly driven by its proximity to Minneapolis-St. Paul, making it an attractive destination for those looking to escape the hustle of city life while still enjoying easy access to urban 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 areaMinneapolis-St. Paul-BloomingtonMapped market area
Area code33460CBSA / MSA reference
Featured communitiesSavage · Prior Lake · ShakopeeFrom the county record
Data year2026Aligned with this limit record
SavagePrior LakeShakopee
Top cities & communities

Communities to explore.

SavagePrior LakeShakopee
Questions & Answers

Refinancing in Scott County

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

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