2026 loan limits in St. Croix County, Wisconsin
In St. Croix County, a conventional loan up to $832,750 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $552,000.
Conforming limit (1 unit)$832,750National baseline
FHA limit (1 unit)$552,000High-cost county
Highest price, 20% down, conforming$1,040,938Loan at the limit
Highest price, 3.5% down, FHA$572,021Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $552,000 |
| 2 units | $1,066,250 | $706,650 |
| 3 units | $1,288,800 | $854,200 |
| 4 units | $1,601,750 | $1,061,550 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,040,938 in St. Croix County and stay conforming; with 10% down, about $925,278. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $572,021.
Questions
What is the 2026 conforming loan limit in St. Croix County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in St. Croix County?
$552,000 for a one-unit home.
More for St. Croix County
St. Croix County property taxesFHA loan limits toolWisconsin closing costsBaldwin 54002 market dataDeer Park 54007 market dataGlenwood City 54013 market dataHammond 54015 market dataHoulton 54082 market dataHudson 54016 market dataNew Richmond 54017 market dataRoberts 54023 market dataSomerset 54025 market dataWilson 54027 market data
2026 limits from HUD’s county files (Minneapolis-St. Paul-Bloomington, Mn-Wi). Conforming limits are set by the Federal Housing Finance Agency.