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 7.24% (30-yr fixed), including Minnesota property tax and insurance. Data through 2026-09.

  1. Hibbing — typical home $165K, income to buy about $49,000/yr
  2. Fairmont — typical home $172K, income to buy about $51,000/yr
  3. Albert Lea — typical home $181K, income to buy about $54,000/yr
  4. Austin — typical home $188K, income to buy about $56,000/yr
  5. Fergus Falls — typical home $205K, income to buy about $61,000/yr
  6. Bemidji — typical home $217K, income to buy about $64,000/yr
  7. Willmar — typical home $245K, income to buy about $73,000/yr
  8. Marshall — typical home $249K, income to buy about $74,000/yr
  9. New Ulm — typical home $251K, income to buy about $74,000/yr
  10. Worthington — typical home $253K, income to buy about $75,000/yr
  11. Winona — typical home $262K, income to buy about $78,000/yr
  12. Cloquet — typical home $266K, income to buy about $79,000/yr
  13. Grand Rapids — typical home $280K, income to buy about $83,000/yr
  14. Red Wing — typical home $282K, income to buy about $83,000/yr
  15. Moorhead — typical home $291K, income to buy about $86,000/yr
  16. Owatonna — typical home $295K, income to buy about $87,000/yr
  17. Brooklyn Center — typical home $296K, income to buy about $88,000/yr
  18. Duluth — typical home $296K, income to buy about $88,000/yr
  19. Columbia Heights — typical home $296K, income to buy about $88,000/yr
  20. Hutchinson — typical home $298K, income to buy about $88,000/yr
  21. Faribault — typical home $303K, income to buy about $90,000/yr
  22. Mankato — typical home $304K, income to buy about $90,000/yr
  23. Sauk Rapids — typical home $304K, income to buy about $90,000/yr
  24. North Mankato — typical home $310K, income to buy about $92,000/yr
  25. Robbinsdale — typical home $311K, income to buy about $92,000/yr

At the other end, Minnesota's priciest markets: Lake Elmo ($191,000/yr), Edina ($185,000/yr), Victoria ($184,000/yr), Mendota Heights ($169,000/yr), Chanhassen ($167,000/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.