Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$384,657+2.4% YoY · prices are rising
Market right nowBuyer's marketMore homes for sale than last year, 27% have cut their price
Income needed to buy, per year$83,386About 0.8× the local median income ($100,209): affordable for a typical household
Days on market39 daysFaster than a year ago: sellers have the edge
Next 12 months+1.6%Zillow expects prices to rise slightly
The typical home in Chisago County, MN is worth $384,657, up 2.4% from a year ago. That is well above what local incomes have historically supported: fair value is about $332,006, so the area is 15.9% overvalued. It is a buyer's market: homes take about 39 days to sell, listings are up 26% from a year ago, 27% of listings have had a price cut. Zillow expects prices to rise about 1.6% over the next year. A household needs about $83,386 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $100,209. Typical rent is $1,497 a month, or $2,107 for a house. In the latest IRS figures, 313 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$384,657
Change in 1 year
+2.4%
Overvalued %
+15.9%
Show 7 more
Fair home value
$332,006
Change in 5 years
+12.3%
Zillow forecast, next 12 months
+1.6%
Home value to income
3.8×
Monthly mortgage payment (20% down)
$2,085
Income needed to afford it
$83,386
Property tax rate
1.07%
Rent and investing
Typical rent
$1,497
Typical rent for houses
$2,107
Price-to-rent ratio
21.4×
Show 3 more
HUD Fair Market Rent, 2 bedrooms
$1,734
Gross rental yield
4.67%
Cap rate (estimate)
3.04%
Market activity
Listings vs a year ago
+26.2%
Days on market
39
Listings with a price cut
27.3%
Show 3 more
Homes for sale
207
Pending sales per 100 listings
28
Asking price per sq ft
$226
People and jobs
Median household income
$100,209
Population change (1 year)
+0.3%
Unemployment rate
4.1%
Show 4 more
Population
59,142
Income adjusted for cost of living
$95,619
Net moves in (IRS)
+313
Cost of living (US = 100)
104.8
Schools, risk and environment
School rating (1 to 10)
6.6
FEMA hazard risk score (0 to 100)
44.5
Flood risk score
55.7
Show 3 more
Wildfire risk score
65.5
Walkability (1 to 20)
6.2
Road, rail and air noise
55 dB
Questions people ask
Is Chisago County, MN overvalued?
Home prices in Chisago County, MN are well above what local incomes have historically supported: fair value is about $332,006, so the area is 15.9% overvalued.
Is Chisago County, MN a buyer's or seller's market?
Chisago County, MN is a buyer's market: homes take about 39 days to sell, listings are up 26% from a year ago, 27% of listings have had a price cut.
Are home prices going down in Chisago County, MN?
Home values in Chisago County, MN are up 2.4% over the last year. Zillow's forecast for the next 12 months is +1.6%.
How much do you need to earn to buy a home in Chisago County, MN?
A household needs about $83,386 a year to afford the typical home in Chisago County, MN at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $100,209.