Aitkin County, MN Average Home Price (2026)
The average home price in Aitkin County, Minnesota is about $266,000 (the 2026 median across 9 ZIP codes, at ~$246/sq ft) — 10% more affordable than the Minnesota median and 8% more affordable than the typical U.S. home.
How Aitkin County compares
Aitkin County is about average for housing nationally: its typical home costs $266,000 against $297,000 for Minnesota and $289,000 for the U.S. Within the county, ZIP-level values run from about $192,000 to $435,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Aitkin County | $266,000 | $246 |
| Minnesota | $297,000 | $188 |
| United States | $289,000 | $193 |
Aitkin County home prices by ZIP code
The 9 most valuable ZIP codes in Aitkin County (of 9 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 55785 Swatara | $435,000 | $229 | +64% |
| 56431 Palisade | $320,000 | $266 | +20% |
| 56342 Isle | $299,000 | $237 | +12% |
| 55760 McGregor | $281,000 | $293 | +6% |
| 56469 Palisade | $266,000 | $246 | +0% |
| 55787 Tamarack | $220,000 | $221 | -17% |
| 55752 McGregor | $212,000 | $257 | -20% |
| 56350 McGrath | $205,000 | $297 | -23% |
| 55748 Hill City | $192,000 | $171 | -28% |
Home value appreciation in Aitkin County
Home prices in Aitkin County have risen about 82% over the last 10 years (≈6.2% a year) and +59.1% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +1.1% — still rising. A home worth $266,000 today was worth roughly $146,154 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Minnesota is +71.4% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Aitkin County
Run the numbers for Aitkin County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Aitkin County
To buy the typical $266,000 home in Aitkin County with 20% down, you need a household income of roughly $72,000 a year (about $1,690 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $86,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $13,300 | $2,100/mo | $90,000/yr |
| 10% (+PMI) | $26,600 | $2,010/mo | $86,000/yr |
| 20% | $53,200 | $1,690/mo | $72,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Aitkin County
At about $246 per square foot, here is roughly how much home different budgets get you in Aitkin County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 610 sq ft | below the local median — condos, smaller or older homes |
| $200k | 810 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1020 sq ft | around the typical home here |
| $300k | 1220 sq ft | around the typical home here |
| $400k | 1630 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Minnesota.
Estimate a specific home in Aitkin County
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Aitkin County home prices: frequently asked
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Browse all Minnesota cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.