Swift County, Minnesota home prices
Typical home $200,692 · +5.2% in a year · property tax 0.86%
The typical home in Swift County is worth $200,692, 42% less than the Minnesota typical home ($348,778). Values changed +5.2% in the past year and +33.5% over five years. Homeowners here pay a median 0.86% of their home's value in property tax each year ($1,723 on the typical home), versus 1.04% statewide.
Mortgage on the typical Swift County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $40,138 | $160,554 | $1,080 | $0 | $244 | $1,324 | $56,700 |
| 10% down | $20,069 | $180,623 | $1,215 | $75 | $244 | $1,534 | $65,800 |
| 5% down | $10,035 | $190,658 | $1,283 | $79 | $244 | $1,606 | $68,800 |
| 3.5% down (FHA) | $7,024 | $197,057 | $1,326 | $89 | $244 | $1,658 | $71,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.86% 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 |
|---|---|---|---|
| Mower County | $201,999 | +2.9% | 1.03% |
| Marshall County | $199,293 | +6.3% | 0.8% |
| Freeborn County | $197,437 | +5.5% | 1.11% |
| Pipestone County | $205,022 | +9.0% | 0.86% |
| Big Stone County | $205,428 | +9.9% | 0.87% |
| Lincoln County | $207,341 | +5.4% | 0.96% |
| Red Lake County | $208,265 | +8.2% | 1% |
| Renville County | $192,374 | +7.8% | 1.04% |
| Pennington County | $191,990 | -2.4% | 1.26% |
| Redwood County | $187,335 | +6.2% | 1% |
Frequently asked questions
What is the average home price in Swift County, MN?
The typical home value in Swift County is $200,692 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Swift County?
About $56,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Swift County?
The median effective rate is 0.86% of home value a year (Census ACS 2024 5-year estimates).