MN mortgage rates

Winona County

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

Winona 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 Winona 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 Winona

A local view of the market.

Winona County, Minnesota, has a dynamic real estate market characterized by a median home sold price of $249,333 as of October 2024, reflecting a 14.6% increase from the previous year. The median price per square foot stands at $143, indicating a competitive market where homes sell relatively quickly. The county includes several notable cities, with Winona being the largest, boasting a population of approximately 27,000 residents. Other significant cities include Goodview, with about 4,000 residents, and St. Charles, home to around 3,800 people. These cities offer a mix of urban and suburban living environments. Living in Winona County provides a blend of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county is known for its scenic landscapes and outdoor recreational opportunities, attracting those seeking a quieter lifestyle. The top industries include education, healthcare, and manufacturing, which contribute to a steady influx of residents moving to the area for employment opportunities and the appealing quality of life.

County snapshot

Market context.

MN

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

Market areaWinonaMapped market area
Area code49100CBSA / MSA reference
Featured communityWinonaFrom the county record
Data year2026Aligned with this limit record
Winona
Top cities & communities

Communities to explore.

Winona
Questions & Answers

Refinancing in Winona County

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

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