Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$200,692+5.2% YoY · prices are rising fast
Market right nowBalanced, leaning buyersMore homes for sale than last year, 14% have cut their price
Income needed to buy, per year$43,506About 0.7× the local median income ($65,656): affordable for a typical household
Days on market53 daysFaster than a year ago: sellers have the edge
The typical home in Swift County, MN is worth $200,692, up 5.2% from a year ago. That is well above what local incomes have historically supported: fair value is about $161,920, so the area is 23.9% overvalued. It is a balanced market, leaning toward buyers: homes take about 53 days to sell, listings are up 24% from a year ago, 14% of listings have had a price cut. A household needs about $43,506 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 $65,656. In the latest IRS figures, 9 more people moved out than in.
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
$200,692
Change in 1 year
+5.2%
Overvalued %
+23.9%
Show 6 more
Fair home value
$161,920
Change in 5 years
+33.5%
Home value to income
3.1×
Monthly mortgage payment (20% down)
$1,088
Income needed to afford it
$43,506
Property tax rate
0.86%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,014
Market activity
Listings vs a year ago
+23.5%
Days on market
53
Listings with a price cut
13.6%
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Homes for sale
42
Pending sales per 100 listings
10
Asking price per sq ft
$122
People and jobs
Median household income
$65,656
Population change (1 year)
+0.4%
Unemployment rate
4.4%
Show 4 more
Population
9,763
Income adjusted for cost of living
$76,433
Net moves in (IRS)
−9
Cost of living (US = 100)
85.9
Schools, risk and environment
School rating (1 to 10)
5.1
FEMA hazard risk score (0 to 100)
25.1
Flood risk score
36.4
Show 3 more
Wildfire risk score
46.3
Walkability (1 to 20)
7.1
Road, rail and air noise
51 dB
Questions people ask
Is Swift County, MN overvalued?
Home prices in Swift County, MN are well above what local incomes have historically supported: fair value is about $161,920, so the area is 23.9% overvalued.
Is Swift County, MN a buyer's or seller's market?
Swift County, MN is a balanced market, leaning toward buyers: homes take about 53 days to sell, listings are up 24% from a year ago, 14% of listings have had a price cut.
Are home prices going down in Swift County, MN?
Home values in Swift County, MN are up 5.2% over the last year.
How much do you need to earn to buy a home in Swift County, MN?
A household needs about $43,506 a year to afford the typical home in Swift County, MN at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $65,656.