MN mortgage rates

Stearns County

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

Stearns 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 Stearns 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 Stearns

A local view of the market.

The real estate market in Stearns County, Minnesota, is currently a seller's market, with the median home sold price reaching $279,954 in October 2024, marking a 5% increase from the previous year. The median price per square foot is $148, indicating a competitive market where homes tend to sell quickly. Stearns County includes several prominent cities, with St. Cloud being the largest, boasting a population of approximately 68,000. Other significant cities include Sartell, with around 19,000 residents, and Waite Park, which has a population of about 7,500. These cities contribute to the county's vibrant community life and economic activities. Living in Stearns County offers a mix of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county is known for its dairy farming and crop production, while also providing suburban amenities in its larger cities. The top industries include healthcare, education, and manufacturing, attracting people seeking a balance between rural charm and suburban convenience. Migration patterns suggest that people are moving to Stearns County for its affordable housing, quality of life, and employment opportunities.

County snapshot

Market context.

MN

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

Market areaSt. CloudMapped market area
Area code41060CBSA / MSA reference
Featured communitySt. CloudFrom the county record
Data year2026Aligned with this limit record
St. Cloud
Top cities & communities

Communities to explore.

St. Cloud
Questions & Answers

Refinancing in Stearns County

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

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