How much house can I afford on $80,000 in Minnesota?
About $277,000 with 20% down ($222,000 with an FHA loan), using Minnesota's 1.04% property tax rate.
That is $72,189 less than the typical Minnesota home ($348,778), so on $80,000 you'd look at cheaper areas or a smaller home. The payment of $1,867 covers $1,489 principal and interest, $240 property tax and $138 insurance.
Counties in Minnesota you can afford on $80,000
46 of 87 counties have a typical home value at or below $277,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Aitkin County | $275,987 | +4.0% | 0.55% |
| Lake County | $275,583 | +3.7% | 0.73% |
| Kanabec County | $270,028 | +5.7% | 1.13% |
| Todd County | $265,621 | +6.8% | 0.95% |
| Rock County | $263,653 | +3.4% | 0.71% |
| Beltrami County | $263,076 | +2.7% | 0.97% |
| Pine County | $261,692 | +5.1% | 0.86% |
| Waseca County | $259,153 | +2.5% | 1.18% |
| Saint Louis County | $255,915 | +5.6% | 1.03% |
| Murray County | $254,869 | +8.2% | 0.79% |
| Polk County | $253,192 | +5.9% | 1.01% |
| Clearwater County | $248,962 | +11.2% | 0.67% |
| Brown County | $247,202 | +7.2% | 1.03% |
| Itasca County | $246,649 | +0.1% | 0.86% |
| Nobles County | $246,403 | +6.5% | 0.99% |
| Grant County | $241,357 | +6.9% | 0.93% |
| Wadena County | $227,305 | +4.3% | 1.04% |
| Jackson County | $227,184 | +0.5% | 0.93% |
| Lyon County | $226,888 | +8.5% | 1.06% |
| Roseau County | $225,440 | +2.2% | 0.97% |
| Chippewa County | $221,400 | +6.6% | 1.1% |
| Lake of the Woods County | $221,109 | +3.8% | 0.66% |
| Wilkin County | $220,770 | +4.7% | 0.79% |
| Martin County | $219,955 | +3.5% | 1.02% |
| Stevens County | $217,836 | +8.1% | 0.81% |
Affordable metro areas
Assumes a 30-year fixed loan at 7.11%, property tax of 1.04% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in Minnesota
Frequently asked questions
How much house can I afford on $80,000 in Minnesota?
About $277,000 with 20% down at 7.11%, keeping the payment (with Minnesota's 1.04% property tax and insurance) under $1,867 a month.
Is $80,000 enough to buy a house in Minnesota?
Not the typical home: the typical Minnesota home is worth $348,778 (Zillow, September 2026) and $80,000 supports about $277,000. 46 of 87 counties are within budget.