MN mortgage rates

Todd County

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

Todd 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 Todd 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 Todd

A local view of the market.

The real estate market in Todd County, Minnesota, has seen some growth, with the average home value currently at $251,411, marking a 2.3% increase over the past year. This suggests a stable market with moderate appreciation, making it an attractive option for potential homebuyers looking for value in a rural setting. Todd County is home to several small cities, with Long Prairie being the county seat. Long Prairie has a population of approximately 3,500 residents, offering a small-town feel with essential amenities. Another notable city is Staples, which has a population of around 2,900 and serves as a hub for the surrounding agricultural community. Living in Todd County offers a blend of rural and suburban lifestyles, with a strong emphasis on agriculture and farming. The county's economy is supported by industries such as agriculture, manufacturing, and healthcare. People may be drawn to Todd County for its affordable housing, peaceful rural environment, and opportunities in farming and related industries, contributing to a steady influx of residents seeking a quieter, more community-oriented way of life.

Questions & Answers

Refinancing in Todd County

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

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