Cook County, Minnesota home prices
Typical home $438,446 · +4.4% in a year · property tax 0.69%
The typical home in Cook County is worth $438,446, 26% more than the Minnesota typical home ($348,778). Values changed +4.4% in the past year and +33.9% over five years. Homeowners here pay a median 0.69% of their home's value in property tax each year ($3,005 on the typical home), versus 1.04% statewide.
Mortgage on the typical Cook County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $87,689 | $350,757 | $2,360 | $0 | $470 | $2,829 | $121,300 |
| 10% down | $43,845 | $394,601 | $2,655 | $164 | $470 | $3,289 | $140,900 |
| 5% down | $21,922 | $416,524 | $2,802 | $174 | $470 | $3,445 | $147,600 |
| 3.5% down (FHA) | $15,346 | $430,505 | $2,896 | $194 | $470 | $3,560 | $152,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.69% 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.
What it takes: see what you can afford by salary in Minnesota.
Minnesota counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Scott County | $442,767 | +1.2% | 1.01% |
| Washington County | $445,711 | +2.8% | 0.99% |
| Wright County | $397,588 | +1.2% | 0.98% |
| Dakota County | $393,429 | +1.4% | 0.98% |
| Sherburne County | $391,353 | +2.6% | 0.99% |
| Hennepin County | $386,707 | +1.4% | 1.14% |
| Carver County | $490,761 | +2.9% | 0.99% |
| Chisago County | $384,657 | +2.4% | 1.07% |
| Anoka County | $373,109 | +1.6% | 0.94% |
| Crow Wing County | $369,756 | +3.4% | 0.74% |
Frequently asked questions
What is the average home price in Cook County, MN?
The typical home value in Cook County is $438,446 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Cook County?
About $121,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Cook County?
The median effective rate is 0.69% of home value a year (Census ACS 2024 5-year estimates).