Polk County, MN Average Home Price (2026)
The average home price in Polk County, Minnesota is about $253,500 (the 2026 median across 14 ZIP codes, at ~$132/sq ft) — 15% more affordable than the Minnesota median and 12% more affordable than the typical U.S. home.
How Polk County compares
Polk County is about average for housing nationally: its typical home costs $253,500 against $297,000 for Minnesota and $289,000 for the U.S. Within the county, ZIP-level values run from about $187,000 to $338,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Polk County | $253,500 | $132 |
| Minnesota | $297,000 | $188 |
| United States | $289,000 | $193 |
Polk County home prices by ZIP code
The 14 most valuable ZIP codes in Polk County (of 14 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 56736 Mentor | $338,000 | $382 | +33% |
| 56535 Erskine | $307,000 | $288 | +21% |
| 56721 East Grand Forks | $297,000 | $126 | +17% |
| 56646 Gully | $294,000 | $155 | +16% |
| 56723 Fisher | $281,000 | $109 | +11% |
| 56684 Trail | $280,000 | $147 | +10% |
| 56722 Euclid | $264,000 | $86 | +4% |
| 56540 Fertile | $243,000 | $137 | -4% |
| 56542 Fosston | $226,000 | $122 | -11% |
| 56556 McIntosh | $214,000 | $150 | -16% |
| 56523 Climax | $205,000 | $108 | -19% |
| 56592 Winger | $197,000 | $317 | -22% |
| 56762 Warren | $190,000 | $86 | -25% |
| 56716 Crookston | $187,000 | $96 | -26% |
Home value appreciation in Polk County
Home prices in Polk County have risen about 55% over the last 10 years (≈4.5% a year) and +106.7% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +3.6% — still rising. A home worth $253,500 today was worth roughly $163,866 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 Polk County
Run the numbers for Polk County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Polk County
To buy the typical $253,500 home in Polk County with 20% down, you need a household income of roughly $69,000 a year (about $1,610 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $82,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $12,700 | $2,000/mo | $86,000/yr |
| 10% (+PMI) | $25,400 | $1,910/mo | $82,000/yr |
| 20% | $50,700 | $1,610/mo | $69,000/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 Polk County
At about $132 per square foot, here is roughly how much home different budgets get you in Polk County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1140 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1520 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1890 sq ft | around the typical home here |
| $300k | 2270 sq ft | around the typical home here |
| $400k | 3030 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 Polk County
Enter your ZIP and size for an instant estimate tailored to your exact area:
Polk County home prices: frequently asked
What is the average home price in Polk County, MN? +
What salary do you need to buy a house in Polk County? +
Which part of Polk County is most expensive? +
Are home values in Polk 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.