Market Overview
Home Prices in Cook, MN
The median home value in Cook, MN is $265,472 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 7.9% compared to a year ago and up 0.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cook are priced35% below average. Cook is part of the Duluth, MN-WI metro area.
Over the past five years, Cook home values have risen by approximately23.3%, reflecting strong long-term appreciation in this market.
Price History
Cook Home Price Trend
2020
$182,684
$183K
—
2021
$215,253
$215K
+17.8%
2022
$238,287
$238K
+10.7%
2023
$243,032
$243K
+2.0%
2024
$245,776
$246K
+1.1%
2025
$245,930
$246K
+0.1%
2026
$265,472
$265K
+7.9%
City Comparison
Cook vs. National Median
🏠 Cook
$265,472
National Median
$410,000
At $265,472, homes in Cook cost 35% below the national median of $410,000. This makes Cook a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Cook?
20% Down Payment
$53,094
on $265,472
Monthly P&I
$1,385/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,759/mo
incl. taxes & insurance
Income Needed
$70,360
gross annual (30% rule)
10% Down Option
$26,547
+ PMI applies
Loan Amount (20% dn)
$212,378
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 Cook, MN?
The median home value in Cook is $265,472 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 7.9% year-over-year.
How much have home prices changed in Cook?
Over the past year, home values in Cook have increased by 7.9%. Over five years, prices have risen approximately 23.3%.
How much do I need to earn to buy a home in Cook?
To comfortably afford the median home price of $265,472 with a 20% down payment ($53,094) at today's rates (6.8%), you'd need a gross annual income of approximately $70,360. This assumes keeping total housing costs at or below 30% of gross income.
How does Cook compare to the national average home price?
The national median home value is approximately $410,000. At $265,472, homes in Cook are 35% below the national average.
What metro area is Cook part of?
Cook is part of the Duluth, MN-WI metropolitan area. Home prices and market conditions can vary across the broader metro region.