The most affordable cities to buy a house in Minnesota (2026)

Every Minnesota city over 10,000 residents, ranked by the gross household income it takes to buy the typical home: 20% down at 6.66% (30-yr fixed), including Minnesota property tax and insurance. Data through 2026-06.

  1. Hibbing — typical home $166K, income to buy about $47,000/yr
  2. Fairmont — typical home $177K, income to buy about $50,000/yr
  3. Albert Lea — typical home $185K, income to buy about $52,000/yr
  4. Austin — typical home $191K, income to buy about $54,000/yr
  5. Fergus Falls — typical home $209K, income to buy about $59,000/yr
  6. Bemidji — typical home $223K, income to buy about $63,000/yr
  7. Willmar — typical home $247K, income to buy about $70,000/yr
  8. Marshall — typical home $248K, income to buy about $70,000/yr
  9. Worthington — typical home $252K, income to buy about $71,000/yr
  10. New Ulm — typical home $256K, income to buy about $72,000/yr
  11. Winona — typical home $264K, income to buy about $75,000/yr
  12. Cloquet — typical home $269K, income to buy about $76,000/yr
  13. Grand Rapids — typical home $285K, income to buy about $81,000/yr
  14. Moorhead — typical home $290K, income to buy about $82,000/yr
  15. Red Wing — typical home $293K, income to buy about $83,000/yr
  16. Alexandria — typical home $300K, income to buy about $85,000/yr
  17. Owatonna — typical home $302K, income to buy about $86,000/yr
  18. Hutchinson — typical home $303K, income to buy about $86,000/yr
  19. Duluth — typical home $304K, income to buy about $86,000/yr
  20. Brooklyn Center — typical home $305K, income to buy about $86,000/yr
  21. Columbia Heights — typical home $305K, income to buy about $86,000/yr
  22. Sauk Rapids — typical home $307K, income to buy about $87,000/yr
  23. Faribault — typical home $309K, income to buy about $87,000/yr
  24. Mankato — typical home $311K, income to buy about $88,000/yr
  25. Brainerd — typical home $321K, income to buy about $91,000/yr

At the other end, Minnesota's priciest markets: Lake Elmo ($181,000/yr), Edina ($180,000/yr), Victoria ($177,000/yr), Mendota Heights ($165,000/yr), Chanhassen ($161,000/yr).

"Income to buy" holds the typical home's payment inside the 28% lender guideline. Your own verdict depends on savings and debts — open any city and run your numbers, or see the whole country on the affordability map.

i wanna buy a house .com — type a city, see its market, find out what you can afford.