MN mortgage rates

Washington County

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

Washington 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 Washington 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
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Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Washington

A local view of the market.

Washington County, Minnesota, has a dynamic real estate market characterized by a median home sold price of $419,172 as of October 2024, reflecting a 2.2% increase from the previous year. The county remains a seller's market, with homes selling relatively quickly and often above the asking price. The top cities in Washington County include Woodbury, with a population of approximately 75,478, making it the largest city in the county. Other significant cities are Cottage Grove, with 38,988 residents, Oakdale with 28,268, and Forest Lake with 20,701 people. Living in Washington County offers a blend of suburban and rural experiences. The county is known for its suburban communities with a mix of residential, commercial, and natural spaces, making it attractive for families and professionals. The area has seen a positive net in-migration, partly due to its appealing suburban lifestyle and proximity to the Twin Cities. Top industries include healthcare, education, and retail, contributing to the county's economic growth and attractiveness for new residents.

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 communitiesOakdale · Cottage Grove · Forest LakeFrom the county record
Data year2026Aligned with this limit record
OakdaleCottage GroveForest Lake
Top cities & communities

Communities to explore.

OakdaleCottage GroveForest LakeWoodbury
Questions & Answers

Refinancing in Washington County

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

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