Winona County, Minnesota home prices
Typical home $282,899 · +3.9% in a year · property tax 0.93%
The typical home in Winona County is worth $282,899, 19% less than the Minnesota typical home ($348,778). Values changed +3.9% in the past year and +31.4% over five years. Homeowners here pay a median 0.93% of their home's value in property tax each year ($2,620 on the typical home), versus 1.04% statewide.
Mortgage on the typical Winona County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $56,580 | $226,319 | $1,522 | $0 | $360 | $1,882 | $80,700 |
| 10% down | $28,290 | $254,609 | $1,713 | $106 | $360 | $2,179 | $93,400 |
| 5% down | $14,145 | $268,754 | $1,808 | $112 | $360 | $2,280 | $97,700 |
| 3.5% down (FHA) | $9,901 | $277,775 | $1,869 | $125 | $360 | $2,354 | $100,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.93% 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 Winona metro area.
Minnesota counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Fillmore County | $280,947 | +2.3% | 0.94% |
| Kandiyohi County | $285,215 | +1.9% | 1.02% |
| Aitkin County | $275,987 | +4.0% | 0.55% |
| Lake County | $275,583 | +3.7% | 0.73% |
| Steele County | $293,327 | +2.1% | 1.21% |
| Meeker County | $295,300 | +5.8% | 0.9% |
| Kanabec County | $270,028 | +5.7% | 1.13% |
| McLeod County | $297,246 | +2.3% | 1.15% |
| Sibley County | $297,792 | +5.9% | 1.1% |
| Carlton County | $298,854 | +4.2% | 1.17% |
Frequently asked questions
What is the average home price in Winona County, MN?
The typical home value in Winona County is $282,899 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Winona County?
About $80,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Winona County?
The median effective rate is 0.93% of home value a year (Census ACS 2024 5-year estimates).