Koochiching County, MN Average Home Price (2026)
The average home price in Koochiching County, Minnesota is about $195,000 (the 2026 median across 8 ZIP codes, at ~$164/sq ft) — 34% more affordable than the Minnesota median and 33% more affordable than the typical U.S. home.
How Koochiching County compares
Koochiching County is relatively affordable for housing nationally: its typical home costs $195,000 against $297,000 for Minnesota and $289,000 for the U.S. Within the county, ZIP-level values run from about $160,000 to $811,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Koochiching County | $195,000 | $164 |
| Minnesota | $297,000 | $188 |
| United States | $289,000 | $193 |
Koochiching County home prices by ZIP code
The 8 most valuable ZIP codes in Koochiching County (of 8 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 56668 Ranier | $811,000 | $427 | +316% |
| 56654 Loman | $401,000 | $211 | +106% |
| 56669 Kabetogama | $254,000 | $329 | +30% |
| 56627 Big Falls | $196,000 | $103 | +1% |
| 56660 Mizpah | $194,000 | $102 | -1% |
| 56661 Northome | $189,000 | $161 | -3% |
| 56653 Littlefork | $165,000 | $103 | -15% |
| 56649 International Falls | $160,000 | $167 | -18% |
Home value appreciation in Koochiching County
Home prices in Koochiching County have risen about 69% over the last 10 years (≈5.4% a year) and +89.1% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +8.8% — still rising. A home worth $195,000 today was worth roughly $115,180 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 Koochiching County
Run the numbers for Koochiching County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Koochiching County
To buy the typical $195,000 home in Koochiching County with 20% down, you need a household income of roughly $53,000 a year (about $1,240 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $63,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $9,800 | $1,540/mo | $66,000/yr |
| 10% (+PMI) | $19,500 | $1,470/mo | $63,000/yr |
| 20% | $39,000 | $1,240/mo | $53,000/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 Koochiching County
At about $164 per square foot, here is roughly how much home different budgets get you in Koochiching County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 910 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1220 sq ft | around the typical home here |
| $250k | 1520 sq ft | around the typical home here |
| $300k | 1830 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 2440 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 Koochiching County
Enter your ZIP and size for an instant estimate tailored to your exact area:
Koochiching County home prices: frequently asked
What is the average home price in Koochiching County, MN? +
What salary do you need to buy a house in Koochiching County? +
Which part of Koochiching County is most expensive? +
Are home values in Koochiching County going up? +
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.