MN mortgage rates

Swift County

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

Swift 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 Swift 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 Swift

A local view of the market.

The real estate market in Swift County, Minnesota, is experiencing a slight increase in home values. As of October 2024, the median sold price for homes in the county is $145,000, which represents a 3.6% increase from the previous year. The average home value in Swift County is approximately $174,751, reflecting a 5.5% increase over the past year. Swift County includes several notable cities, with Benson being the largest. Benson has a population of around 3,000 residents and serves as the county seat. Appleton, another significant city, has a population of approximately 1,400. These cities are central to the county's community and economic activities. Living in Swift County offers a blend of rural and suburban experiences, with agriculture playing a vital role in the local economy. The county is characterized by its open spaces and farming communities, providing a peaceful lifestyle with a strong sense of community. The top industries include agriculture, manufacturing, and education, attracting people seeking a quieter, more affordable lifestyle compared to urban areas. Migration to Swift County is often driven by the desire for a rural setting with access to essential services and a close-knit community.

Questions & Answers

Refinancing in Swift County

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

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