Otter Tail County, MN Average Home Price (2026)
The average home price in Otter Tail County, Minnesota is about $351,000 (the 2026 median across 20 ZIP codes, at ~$249/sq ft) — 18% more expensive than the Minnesota median and 21% more expensive than the typical U.S. home.
How Otter Tail County compares
Otter Tail County is about average for housing nationally: its typical home costs $351,000 against $297,000 for Minnesota and $289,000 for the U.S. Within the county, ZIP-level values run from about $221,000 to $473,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Otter Tail County | $351,000 | $249 |
| Minnesota | $297,000 | $188 |
| United States | $289,000 | $193 |
Otter Tail County home prices by ZIP code
The 15 most valuable ZIP codes in Otter Tail County (of 20 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 56518 Bluffton | $473,000 | $249 | +35% |
| 56515 Battle Lake | $435,000 | $312 | +24% |
| 56524 Clitherall | $418,000 | $315 | +19% |
| 56576 Richville | $409,000 | $489 | +17% |
| 56528 Dent | $398,000 | $243 | +13% |
| 56587 Vergas | $397,000 | $249 | +13% |
| 56572 Pelican Rapids | $395,000 | $408 | +13% |
| 56571 Ottertail | $371,000 | $298 | +6% |
| 56573 Perham | $365,000 | $201 | +4% |
| 56588 Henning | $356,000 | $296 | +1% |
| 56586 Underwood | $346,000 | $288 | -1% |
| 56324 Dalton | $331,000 | $179 | -6% |
| 56534 Erhard | $327,000 | $285 | -7% |
| 56567 New York Mills | $279,000 | $187 | -21% |
| 56551 Henning | $275,000 | $318 | -22% |
Home value appreciation in Otter Tail County
Home prices in Otter Tail County have risen about 79% over the last 10 years (≈6.0% a year) and +93.6% 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 $351,000 today was worth roughly $196,639 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 Otter Tail County
Run the numbers for Otter Tail County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Otter Tail County
To buy the typical $351,000 home in Otter Tail County with 20% down, you need a household income of roughly $95,000 a year (about $2,230 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $113,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $17,600 | $2,770/mo | $119,000/yr |
| 10% (+PMI) | $35,100 | $2,650/mo | $113,000/yr |
| 20% | $70,200 | $2,230/mo | $95,000/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 Otter Tail County
At about $249 per square foot, here is roughly how much home different budgets get you in Otter Tail County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 800 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1000 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1200 sq ft | around the typical home here |
| $400k | 1610 sq ft | around the typical home here |
| $500k | 2010 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 Otter Tail County
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Otter Tail County home prices: frequently asked
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Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.