Scott County, Minnesota home prices
Typical home $442,767 · +1.2% in a year · property tax 1.01%
The typical home in Scott County is worth $442,767, 27% more than the Minnesota typical home ($348,778). Values changed +1.2% in the past year and +11.2% over five years. Homeowners here pay a median 1.01% of their home's value in property tax each year ($4,466 on the typical home), versus 1.04% statewide.
Mortgage on the typical Scott County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $88,553 | $354,214 | $2,383 | $0 | $594 | $2,976 | $127,600 |
| 10% down | $44,277 | $398,491 | $2,681 | $166 | $594 | $3,440 | $147,400 |
| 5% down | $22,138 | $420,629 | $2,830 | $175 | $594 | $3,598 | $154,200 |
| 3.5% down (FHA) | $15,497 | $434,748 | $2,925 | $196 | $594 | $3,714 | $159,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.01% 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 Minneapolis metro area.
Minnesota counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Washington County | $445,711 | +2.8% | 0.99% |
| Cook County | $438,446 | +4.4% | 0.69% |
| Wright County | $397,588 | +1.2% | 0.98% |
| Carver County | $490,761 | +2.9% | 0.99% |
| Dakota County | $393,429 | +1.4% | 0.98% |
| Sherburne County | $391,353 | +2.6% | 0.99% |
| Hennepin County | $386,707 | +1.4% | 1.14% |
| 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 Scott County, MN?
The typical home value in Scott County is $442,767 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Scott County?
About $127,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Scott County?
The median effective rate is 1.01% of home value a year (Census ACS 2024 5-year estimates).