Winona, MN home prices
Typical home $282,829 · +3.9% in a year · income needed $80,600
The Winona, MN metro area ranks 360 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +3.9% in a year and +31.4% over five years. With 20% down at 7.11%, the typical home costs about $1,882 a month including 0.93% property tax (Winona County rate).
Mortgage on the typical Winona home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $56,566 | $226,263 | $1,522 | $0 | $360 | $1,882 | $80,600 |
| 10% down | $28,283 | $254,546 | $1,712 | $106 | $360 | $2,178 | $93,300 |
| 5% down | $14,141 | $268,687 | $1,807 | $112 | $360 | $2,279 | $97,700 |
| 3.5% down (FHA) | $9,899 | $277,706 | $1,868 | $125 | $360 | $2,353 | $100,800 |
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.
Counties in the Winona area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Winona County, MN | $282,899 | +3.9% | 0.93% |
What can you afford in Minnesota on your salary? · Minnesota home prices · Salaries in Minnesota
Frequently asked questions
How much is a house in Winona?
The typical home in the Winona, MN metro area is worth $282,829 (Zillow, September 2026).
What salary do you need to buy a house in Winona?
About $80,600 a year for the typical home with 20% down at 7.11%.