Market Overview
Home Prices in Cosmos, MN
The median home value in Cosmos, MN is $186,751 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 6.8% compared to a year ago and up 5.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cosmos are priced54% below average.
Over the past five years, Cosmos home values have risen by approximately25.1%, reflecting strong long-term appreciation in this market.
Price History
Cosmos Home Price Trend
2020
$128,584
$129K
—
2021
$149,226
$149K
+16.1%
2022
$167,677
$168K
+12.4%
2023
$164,777
$165K
-1.7%
2024
$166,206
$166K
+0.9%
2025
$174,928
$175K
+5.2%
2026
$186,751
$187K
+6.8%
City Comparison
Cosmos vs. National Median
🏠 Cosmos
$186,751
National Median
$410,000
At $186,751, homes in Cosmos cost 54% below the national median of $410,000. This makes Cosmos a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Cosmos?
20% Down Payment
$37,350
on $186,751
Monthly P&I
$974/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,237/mo
incl. taxes & insurance
Income Needed
$49,480
gross annual (30% rule)
10% Down Option
$18,675
+ PMI applies
Loan Amount (20% dn)
$149,401
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 Cosmos, MN?
The median home value in Cosmos is $186,751 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 6.8% year-over-year.
How much have home prices changed in Cosmos?
Over the past year, home values in Cosmos have increased by 6.8%. Over five years, prices have risen approximately 25.1%.
How much do I need to earn to buy a home in Cosmos?
To comfortably afford the median home price of $186,751 with a 20% down payment ($37,350) at today's rates (6.8%), you'd need a gross annual income of approximately $49,480. This assumes keeping total housing costs at or below 30% of gross income.
How does Cosmos compare to the national average home price?
The national median home value is approximately $410,000. At $186,751, homes in Cosmos are 54% below the national average.