Chisago County, MN Average Home Price (2026)
The average home price in Chisago County, Minnesota is about $393,000 (the 2026 median across 9 ZIP codes, at ~$244/sq ft) — 32% more expensive than the Minnesota median and 36% more expensive than the typical U.S. home.
How Chisago County compares
Chisago County is relatively expensive for housing nationally: its typical home costs $393,000 against $297,000 for Minnesota and $289,000 for the U.S. Within the county, ZIP-level values run from about $323,000 to $436,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Chisago County | $393,000 | $244 |
| Minnesota | $297,000 | $188 |
| United States | $289,000 | $193 |
Chisago County home prices by ZIP code
The 9 most valuable ZIP codes in Chisago County (of 9 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 55013 Chisago City | $436,000 | $267 | +11% |
| 55079 Stacy | $418,000 | $249 | +6% |
| 55032 Harris | $410,000 | $285 | +4% |
| 55012 Center City | $401,000 | $376 | +2% |
| 55045 Lindstrom | $393,000 | $211 | +0% |
| 55074 Shafer | $367,000 | $244 | -7% |
| 55056 North Branch | $355,000 | $225 | -10% |
| 55084 Taylors Falls | $351,000 | $209 | -11% |
| 55069 Rush City | $323,000 | $234 | -18% |
Home value appreciation in Chisago County
Home prices in Chisago County have risen about 87% over the last 10 years (≈6.5% a year) and +48.2% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +2.3% — still rising. A home worth $393,000 today was worth roughly $210,160 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 Chisago County
Run the numbers for Chisago County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Chisago County
To buy the typical $393,000 home in Chisago County with 20% down, you need a household income of roughly $107,000 a year (about $2,490 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $127,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $19,700 | $3,100/mo | $133,000/yr |
| 10% (+PMI) | $39,300 | $2,960/mo | $127,000/yr |
| 20% | $78,600 | $2,490/mo | $107,000/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 Chisago County
At about $244 per square foot, here is roughly how much home different budgets get you in Chisago County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 820 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1020 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1230 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1640 sq ft | around the typical home here |
| $500k | 2050 sq ft | around the typical home here |
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 Chisago County
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Chisago 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.