St. Louis County, MN Average Home Price (2026)
The average home price in St. Louis County, Minnesota is about $214,500 (the 2026 median across 38 ZIP codes, at ~$201/sq ft) — 28% more affordable than the Minnesota median and 26% more affordable than the typical U.S. home.
How St. Louis County compares
St. Louis County is relatively affordable for housing nationally: its typical home costs $214,500 against $297,000 for Minnesota and $289,000 for the U.S. Within the county, ZIP-level values run from about $126,000 to $652,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| St. Louis County | $214,500 | $201 |
| Minnesota | $297,000 | $188 |
| United States | $289,000 | $193 |
Cities in St. Louis County
Cities with their own home-value page, largest first:
St. Louis County home prices by ZIP code
The 15 most valuable ZIP codes in St. Louis County (of 38 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 55725 Crane Lake | $652,000 | $343 | +204% |
| 55802 Duluth | $494,000 | $435 | +130% |
| 55790 Tower | $374,000 | $409 | +74% |
| 55804 Duluth | $364,000 | $261 | +70% |
| 55803 Duluth | $361,000 | $236 | +68% |
| 55811 Hermantown | $358,000 | $231 | +67% |
| 55779 Saginaw | $352,000 | $200 | +64% |
| 55812 Duluth | $351,000 | $201 | +64% |
| 55810 Hermantown | $295,000 | $180 | +38% |
| 55710 Mountain Iron | $271,000 | $249 | +26% |
| 55723 Cook | $248,000 | $363 | +16% |
| 55702 Alborn | $246,000 | $204 | +15% |
| 55724 Cotton | $221,000 | $201 | +3% |
| 55751 Iron | $221,000 | $212 | +3% |
| 55768 Mountain Iron | $221,000 | $144 | +3% |
Home value appreciation in St. Louis County
Home prices in St. Louis County have risen about 82% over the last 10 years (≈6.2% a year) and +80.6% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +6.3% — still rising. A home worth $214,500 today was worth roughly $118,052 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 St. Louis County
Run the numbers for St. Louis County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in St. Louis County
To buy the typical $214,500 home in St. Louis County with 20% down, you need a household income of roughly $58,000 a year (about $1,360 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $69,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $10,700 | $1,690/mo | $73,000/yr |
| 10% (+PMI) | $21,500 | $1,620/mo | $69,000/yr |
| 20% | $42,900 | $1,360/mo | $58,000/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 St. Louis County
At about $201 per square foot, here is roughly how much home different budgets get you in St. Louis County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 750 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1000 sq ft | around the typical home here |
| $250k | 1240 sq ft | around the typical home here |
| $300k | 1490 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 1990 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 St. Louis County
Enter your ZIP and size for an instant estimate tailored to your exact area:
St. Louis County home prices: frequently asked
What is the average home price in St. Louis County, MN? +
What salary do you need to buy a house in St. Louis County? +
Which part of St. Louis County is most expensive? +
Are home values in St. Louis 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.