Market Overview
Home Prices in Embarrass, MN
The median home value in Embarrass, MN is $213,375 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 12.5% compared to a year ago and up 4.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Embarrass are priced48% below average. Embarrass is part of the Duluth, MN-WI metro area.
Over the past five years, Embarrass home values have risen by approximately35.4%, reflecting strong long-term appreciation in this market.
Price History
Embarrass Home Price Trend
City Comparison
Embarrass vs. National Median
At $213,375, homes in Embarrass cost 48% below the national median of $410,000. This makes Embarrass a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Embarrass?
20% Down Payment
$42,675
on $213,375
Monthly P&I
$1,113/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,414/mo
incl. taxes & insurance
Income Needed
$56,560
gross annual (30% rule)
10% Down Option
$21,338
+ PMI applies
Loan Amount (20% dn)
$170,700
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 Embarrass, MN?
The median home value in Embarrass is $213,375 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 12.5% year-over-year.
How much have home prices changed in Embarrass?
Over the past year, home values in Embarrass have increased by 12.5%. Over five years, prices have risen approximately 35.4%.
How much do I need to earn to buy a home in Embarrass?
To comfortably afford the median home price of $213,375 with a 20% down payment ($42,675) at today's rates (6.8%), you'd need a gross annual income of approximately $56,560. This assumes keeping total housing costs at or below 30% of gross income.
How does Embarrass compare to the national average home price?
The national median home value is approximately $410,000. At $213,375, homes in Embarrass are 48% below the national average.
What metro area is Embarrass part of?
Embarrass is part of the Duluth, MN-WI metropolitan area. Home prices and market conditions can vary across the broader metro region.