2026 loan limits in Douglas County, Wisconsin
Douglas County’s 2026 conforming limit of $832,750 is 4.0× the county’s median home value of $205,800 (Census ACS 2020-2024), so almost any local purchase fits under a conforming loan; the 2026 FHA limit of $541,287 is the one that usually matters. Next door, median home values run from $221,400 in St. Louis County, MN to $245,100 in Carlton County, MN.
- $832,750Conforming, 1 unit (2026)+$26,250 vs 2025
- $541,287FHA, 1 unit (2026)+$17,062 vs 2025
- $205,800Median home valuelimit is 4.0× this (ACS 2020-2024)
- All 8Neighbors share this limitBayfield, Burnett, Sawyer and 5 more
Loan limits next door
| County | State | Conforming 2026 1-unit | FHA 2026 1-unit | Median home value (ACS) |
|---|---|---|---|---|
| Bayfield County | WI | $832,750 | $541,287 | $240,800 |
| Burnett County | WI | $832,750 | $541,287 | $231,300 |
| Sawyer County | WI | $832,750 | $541,287 | $236,200 |
| Washburn County | WI | $832,750 | $541,287 | $226,100 |
| Carlton County | MN | $832,750 | $541,287 | $245,100 |
| Lake County | MN | $832,750 | $541,287 | $241,300 |
| Pine County | MN | $832,750 | $541,287 | $239,300 |
| St. Louis County | MN | $832,750 | $541,287 | $221,400 |
Neighbors are from the U.S. Census Bureau county adjacency file (2024). Median home values: Census ACS 2020-2024, table B25077.
| Property | Conforming 2026 | Conforming 2025 | Conforming 2024 | Change vs 2025 | FHA 2026 | FHA 2025 |
|---|---|---|---|---|---|---|
| 1 unit | $832,750 | $806,500 | $766,550 | +$26,250 (+3.3%) | $541,287 | $524,225 |
| 2 units | $1,066,250 | $1,032,650 | $981,500 | +$33,600 (+3.3%) | $693,050 | $671,200 |
| 3 units | $1,288,800 | $1,248,150 | $1,186,350 | +$40,650 (+3.3%) | $837,700 | $811,275 |
| 4 units | $1,601,750 | $1,551,250 | $1,474,400 | +$50,500 (+3.3%) | $1,041,125 | $1,008,300 |
| VA basis, 1 unit | $832,750 | $806,500 | $766,550 | +$26,250 (+3.3%) | not used | not used |
VA uses the one-unit conforming limit to work out remaining entitlement when some entitlement is in use; with full entitlement there is no VA limit.
Duluth, MN-WI metro: 3 counties, one limit
FHFA sets one conforming limit per metro area, so every county in the Duluth, MN-WI metro has a 2026 one-unit limit of $832,750.
- Carlton County, MN
- St. Louis County, MN
- Douglas County, WI (this county)
How Douglas County compares
- Wisconsin median one-unit conforming limit: $832,750 across 72 counties. This county is equal to the state median.
- National baseline for 2026: $832,750; high-cost ceiling: $1,249,125. This county is at the baseline.
- Tied with 71 other Wisconsin counties at $832,750.
- HUD area: Duluth, MN-WI (CBSA 20260). Median sale price HUD used to set the 2026 FHA limit: $236,000.
Sources
- Federal Housing Finance Agency, 2026 Conforming Loan Limit Values, full county list (CSV), file dated November 24, 2025; announced November 25, 2025.
- FHFA 2025 county list (CSV), file dated September 15, 2025.
- FHFA 2024 county list (CSV), file dated September 15, 2025.
- U.S. Department of Housing and Urban Development, CY2026 FHA forward mortgage limits file, dated December 10, 2025; Mortgagee Letter 2025-23, December 11, 2025. Search tool: HUD FHA Mortgage Limits.
- HUD CY2025 FHA limits file, dated March 6, 2025.
- U.S. Department of Veterans Affairs, VA Circular 26-25-10, December 1, 2025; VA home loan limits.
- Freddie Mac Primary Mortgage Market Survey, 30-year fixed average for the week of October 29, 2026: 7.24%.
- U.S. Census Bureau, County Adjacency File (2024), file dated August 20, 2024.
- U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, table B25077 (median value, owner-occupied housing units), summary file dated January 29, 2026.
Figures are copied from the files above without modification. Program rules can change mid-year; confirm with your lender.