The typical owner-occupied home in Houston County is worth about $239,000, 27% below the Minnesota median of $329,300 and 28% below the national median of $332,700. Owners pay a median $2,756 a year in property taxes, about 1.15% of their home's value, higher than the Minnesota rate of 1.02%. The median household earns $79,825 a year, so the median home costs 3.0 times the median income (3.7 times for Minnesota). 83% of occupied homes here are lived in by their owners, and 52% of those owners still have a mortgage.
Houston County at a glance
| Houston County | Minnesota | U.S. | |
|---|---|---|---|
| Median home value | $239,000 | $329,300 | $332,700 |
| Median property tax paid per year | $2,756 | $3,357 | $3,119 |
| Property tax as a share of value | 1.15% | 1.02% | 0.94% |
| Median household income | $79,825 | $89,062 | $80,734 |
| Homes lived in by their owners | 83% | 72% | 65% |
| Owner homes with a mortgage | 52% | 64% | 61% |
| Median monthly costs, owners with a mortgage | $1,697 | $1,947 | $1,963 |
| Those costs as a share of the owners' income | 19.0% | 19.7% | 21.0% |
| Median rent | $879 | $1,280 | $1,413 |
| Rent as a share of renters' income | 29.3% | 29.2% | 30.6% |
| Median year homes were built | 1972 | 1979 | 1980 |
| Vacant homes | 7.3% | 9.3% | 10.1% |
| Population | 18,653 | 5,739,445 | 334,922,499 |
What a typical home costs per month in Houston County
At this week's average 30-year rate of 7.11%, buying the median Houston County home of $239,000 with 20% down costs about $1,615 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,013, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $69,207 for the 20%-down payment. That payment is 24% of the median Houston County household income of $79,825; at that income and 20% down, the 28% guideline points to a home of about $276,000.
The median rent here is $879 a month, so owning the median home costs about $736 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $47,800 |
|---|---|
| Loan amount | $191,200 |
| Principal and interest | $1,286 |
| Property taxes (1.15% a year) | $229 |
| Homeowners insurance (our estimate, 0.5% a year) | $100 |
| PMI | $0 |
| Total per month | $1,615 |
Change the numbers in the calculator
| Down payment | $8,365 |
|---|---|
| Loan amount | $234,671 |
| Principal and interest | $1,579 |
| Property taxes (1.15% a year) | $229 |
| Homeowners insurance (our estimate, 0.5% a year) | $100 |
| FHA mortgage insurance | $106 |
| Total per month | $2,013 |
Change the numbers in the calculator
Questions about home buying in Houston County
What is the median home value in Houston County?
About $239,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Houston County?
Homeowners pay a median $2,756 a year, which is about 1.15% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Houston County?
For the median home with 20% down at 7.11%, the payment is about $1,615 a month. Keeping that under 28% of gross income takes about $69,207 a year.
More about Houston County
- Mortgage Refinance in Houston County
- Debt Relief in Houston County
- Home Equity Loans in Houston County
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data