Market Overview
Home Prices in Chisago City, MN
The median home value in Chisago City, MN is $450,932 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 2.3% compared to a year ago and up 0.9% from two years prior.
Compared to the U.S. national median of $410,000, homes in Chisago City are priced10% above average. Chisago City is part of the Minneapolis-St. Paul-Bloomington, MN-WI metro area.
Over the past five years, Chisago City home values have risen by approximately14.6%, reflecting steady appreciation in this market.
Price History
Chisago City Home Price Trend
City Comparison
Chisago City vs. National Median
At $450,932, homes in Chisago City cost 10% above the national median of $410,000. Buyers in Chisago City should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Chisago City?
20% Down Payment
$90,186
on $450,932
Monthly P&I
$2,352/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,987/mo
incl. taxes & insurance
Income Needed
$119,480
gross annual (30% rule)
10% Down Option
$45,093
+ PMI applies
Loan Amount (20% dn)
$360,746
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Chisago City, MN?
The median home value in Chisago City is $450,932 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 2.3% year-over-year.
How much have home prices changed in Chisago City?
Over the past year, home values in Chisago City have increased by 2.3%. Over five years, prices have risen approximately 14.6%.
How much do I need to earn to buy a home in Chisago City?
To comfortably afford the median home price of $450,932 with a 20% down payment ($90,186) at today's rates (6.8%), you'd need a gross annual income of approximately $119,480. This assumes keeping total housing costs at or below 30% of gross income.
How does Chisago City compare to the national average home price?
The national median home value is approximately $410,000. At $450,932, homes in Chisago City are 10% above the national average.
What metro area is Chisago City part of?
Chisago City is part of the Minneapolis-St. Paul-Bloomington, MN-WI metropolitan area. Home prices and market conditions can vary across the broader metro region.