Rock County, MN Average Home Price (2026)
The average home price in Rock County, Minnesota is about $246,500 (the 2026 median across 8 ZIP codes, at ~$124/sq ft) — 17% more affordable than the Minnesota median and 15% more affordable than the typical U.S. home.
How Rock County compares
Rock County is about average for housing nationally: its typical home costs $246,500 against $297,000 for Minnesota and $289,000 for the U.S. Within the county, ZIP-level values run from about $125,000 to $391,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Rock County | $246,500 | $124 |
| Minnesota | $297,000 | $188 |
| United States | $289,000 | $193 |
Rock County home prices by ZIP code
The 8 most valuable ZIP codes in Rock County (of 8 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 56173 Steen | $391,000 | $206 | +59% |
| 56116 Beaver Creek | $304,000 | $160 | +23% |
| 56147 Kenneth | $270,000 | $142 | +10% |
| 56156 Luverne | $258,000 | $139 | +5% |
| 56138 Hills | $235,000 | $106 | -5% |
| 56158 Magnolia | $207,000 | $109 | -16% |
| 56144 Ihlen | $199,000 | $105 | -19% |
| 56134 Hardwick | $125,000 | $66 | -49% |
Home value appreciation in Rock County
Home prices in Rock County have risen about 82% over the last 10 years (≈6.1% a year) and +129.8% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +6.9% — still rising. A home worth $246,500 today was worth roughly $135,813 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 Rock County
Run the numbers for Rock County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Rock County
To buy the typical $246,500 home in Rock County with 20% down, you need a household income of roughly $67,000 a year (about $1,560 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $80,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $12,300 | $1,940/mo | $83,000/yr |
| 10% (+PMI) | $24,700 | $1,860/mo | $80,000/yr |
| 20% | $49,300 | $1,560/mo | $67,000/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 Rock County
At about $124 per square foot, here is roughly how much home different budgets get you in Rock County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1210 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1610 sq ft | around the typical home here |
| $250k | 2020 sq ft | around the typical home here |
| $300k | 2420 sq ft | around the typical home here |
| $400k | 3230 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 Rock County
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Rock 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.