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Homeownership is to the American dream. It offers , security, community, and countless other benefits. Yet for many Minnesota residents, the dream feels increasingly out of reach—even as and fall. Near-record prices have made homes hard to come by and often even harder to afford, leaving buyers and sellers and younger generations .

But affordable pockets still exist. In cities across the state, residents can comfortably spend around 30% of their income or less on housing, which is widely considered the affordable threshold.

To find out where these cities are, ranked the most affordable cities in Minnesota, based on their local payment to income ratios. All data is an average for the January-October 2025 period. To see the most affordable cities in the country, read this .

#1. Cottage Grove, Minnesota
- Payment to income ratio: 26.7%
- Median sale price: $422,573
- Median household income: $121,452
- Income needed to buy: $107,909
- Median monthly mortgage payment: $2,698
- See homes for sale in Cottage Grove on

#2. Andover, Minnesota
- Payment to income ratio: 27.5%
- Median sale price: $472,777
- Median household income: $131,528
- Income needed to buy: $120,730
- Median monthly mortgage payment: $3,018
- See homes for sale in Andover on

#3. Ramsey, Minnesota
- Payment to income ratio: 29.2%
- Median sale price: $426,993
- Median household income: $112,060
- Income needed to buy: $109,038
- Median monthly mortgage payment: $2,726
- See homes for sale in Ramsey on

#4. Lakeville, Minnesota
- Payment to income ratio: 29.9%
- Median sale price: $539,088
- Median household income: $138,119
- Income needed to buy: $137,663
- Median monthly mortgage payment: $3,442
- See homes for sale in Lakeville on

#5. Savage, Minnesota
- Payment to income ratio: 30.3%
- Median sale price: $484,568
- Median household income: $122,646
- Income needed to buy: $123,741
- Median monthly mortgage payment: $3,094
- See homes for sale in Savage on

#6. Rosemount, Minnesota
- Payment to income ratio: 30.5%
- Median sale price: $506,228
- Median household income: $127,247
- Income needed to buy: $129,272
- Median monthly mortgage payment: $3,232
- See homes for sale in Rosemount on

#7. Rochester, Minnesota
- Payment to income ratio: 31.4%
- Median sale price: $359,786
- Median household income: $87,767
- Income needed to buy: $91,876
- Median monthly mortgage payment: $2,297
- See homes for sale in Rochester on

#8. Maplewood, Minnesota
- Payment to income ratio: 31.6%
- Median sale price: $365,043
- Median household income: $88,534
- Income needed to buy: $93,218
- Median monthly mortgage payment: $2,330
- See homes for sale in Maplewood on

#9. Maple Grove, Minnesota
- Payment to income ratio: 32.0%
- Median sale price: $540,889
- Median household income: $129,481
- Income needed to buy: $138,123
- Median monthly mortgage payment: $3,453
- See homes for sale in Maple Grove on

#10. Coon Rapids, Minnesota
- Payment to income ratio: 32.2%
- Median sale price: $363,727
- Median household income: $86,618
- Income needed to buy: $92,882
- Median monthly mortgage payment: $2,322
- See homes for sale in Coon Rapids on

#11. St. Louis Park, Minnesota
- Payment to income ratio: 32.2%
- Median sale price: $421,701
- Median household income: $100,250
- Income needed to buy: $107,687
- Median monthly mortgage payment: $2,692
- See homes for sale in St. Louis Park on

#12. Elk River, Minnesota
- Payment to income ratio: 32.3%
- Median sale price: $419,956
- Median household income: $99,457
- Income needed to buy: $107,241
- Median monthly mortgage payment: $2,681
- See homes for sale in Elk River on

#13. Prior Lake, Minnesota
- Payment to income ratio: 32.4%
- Median sale price: $551,642
- Median household income: $130,278
- Income needed to buy: $140,869
- Median monthly mortgage payment: $3,522
- See homes for sale in Prior Lake on

#14. Shoreview, Minnesota
- Payment to income ratio: 32.5%
- Median sale price: $463,557
- Median household income: $109,399
- Income needed to buy: $118,375
- Median monthly mortgage payment: $2,959
- See homes for sale in Shoreview on

#15. Brooklyn Center, Minnesota
- Payment to income ratio: 32.6%
- Median sale price: $306,540
- Median household income: $72,009
- Income needed to buy: $78,279
- Median monthly mortgage payment: $1,957
- See homes for sale in Brooklyn Center on

#16. Brooklyn Park, Minnesota
- Payment to income ratio: 33.1%
- Median sale price: $371,967
- Median household income: $85,964
- Income needed to buy: $94,986
- Median monthly mortgage payment: $2,375
- See homes for sale in Brooklyn Park on

#17. Blaine, Minnesota
- Payment to income ratio: 33.2%
- Median sale price: $447,844
- Median household income: $103,382
- Income needed to buy: $114,363
- Median monthly mortgage payment: $2,859
- See homes for sale in Blaine on

#18. Fridley, Minnesota
- Payment to income ratio: 33.3%
- Median sale price: $344,977
- Median household income: $79,274
- Income needed to buy: $88,094
- Median monthly mortgage payment: $2,202
- See homes for sale in Fridley on

#19. Eagan, Minnesota
- Payment to income ratio: 33.3%
- Median sale price: $467,900
- Median household income: $107,486
- Income needed to buy: $119,484
- Median monthly mortgage payment: $2,987
- See homes for sale in Eagan on

#20. Woodbury, Minnesota
- Payment to income ratio: 33.8%
- Median sale price: $556,175
- Median household income: $126,222
- Income needed to buy: $142,026
- Median monthly mortgage payment: $3,551
- See homes for sale in Woodbury on