How much house can I afford on $90,000 in Minnesota?
About $311,000 with 20% down ($250,000 with an FHA loan), using Minnesota's 1.04% property tax rate.
That is $37,616 less than the typical Minnesota home ($348,778), so on $90,000 you'd look at cheaper areas or a smaller home. The payment of $2,100 covers $1,675 principal and interest, $270 property tax and $156 insurance.
Counties in Minnesota you can afford on $90,000
58 of 87 counties have a typical home value at or below $311,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Stearns County | $310,038 | +2.4% | 1% |
| Mille Lacs County | $309,263 | +1.5% | 1.04% |
| Clay County | $303,991 | +2.5% | 1.13% |
| Blue Earth County | $301,642 | +2.1% | 0.98% |
| Carlton County | $298,854 | +4.2% | 1.17% |
| Sibley County | $297,792 | +5.9% | 1.1% |
| McLeod County | $297,246 | +2.3% | 1.15% |
| Meeker County | $295,300 | +5.8% | 0.9% |
| Steele County | $293,327 | +2.1% | 1.21% |
| Kandiyohi County | $285,215 | +1.9% | 1.02% |
| Winona County | $282,899 | +3.9% | 0.93% |
| Fillmore County | $280,947 | +2.3% | 0.94% |
| 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% |
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 $90,000 in Minnesota?
About $311,000 with 20% down at 7.11%, keeping the payment (with Minnesota's 1.04% property tax and insurance) under $2,100 a month.
Is $90,000 enough to buy a house in Minnesota?
Not the typical home: the typical Minnesota home is worth $348,778 (Zillow, September 2026) and $90,000 supports about $311,000. 58 of 87 counties are within budget.