Houston County, Minnesota home prices
Typical home $322,279 · +3.5% in a year · property tax 1.15%
The typical home in Houston County is worth $322,279, 8% less than the Minnesota typical home ($348,778). Values changed +3.5% in the past year and +37.1% over five years. Homeowners here pay a median 1.15% of their home's value in property tax each year ($3,716 on the typical home), versus 1.04% statewide.
Mortgage on the typical Houston County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $64,456 | $257,823 | $1,734 | $0 | $471 | $2,205 | $94,500 |
| 10% down | $32,228 | $290,051 | $1,951 | $121 | $471 | $2,543 | $109,000 |
| 5% down | $16,114 | $306,165 | $2,060 | $128 | $471 | $2,658 | $113,900 |
| 3.5% down (FHA) | $11,280 | $316,442 | $2,129 | $143 | $471 | $2,742 | $117,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.15% 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 · part of the La Crosse metro area.
Minnesota counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Goodhue County | $321,212 | +1.6% | 1.05% |
| Wabasha County | $318,894 | +5.2% | 1.05% |
| Hubbard County | $317,334 | +1.9% | 0.78% |
| Pope County | $327,911 | +3.2% | 0.77% |
| Benton County | $313,228 | +2.8% | 0.98% |
| Morrison County | $312,773 | +3.3% | 0.88% |
| Nicollet County | $312,313 | +3.0% | 1.13% |
| Stearns County | $310,038 | +2.4% | 1% |
| Dodge County | $334,610 | +5.6% | 1.11% |
| Otter Tail County | $334,672 | +5.8% | 0.77% |
Frequently asked questions
What is the average home price in Houston County, MN?
The typical home value in Houston County is $322,279 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Houston County?
About $94,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Houston County?
The median effective rate is 1.15% of home value a year (Census ACS 2024 5-year estimates).