Market Overview
Home Prices in Fertile, MN
The median home value in Fertile, MN is $249,561 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 7.3% compared to a year ago and up 3.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Fertile are priced39% below average. Fertile is part of the Grand Forks, ND-MN metro area.
Over the past five years, Fertile home values have risen by approximately28.0%, reflecting strong long-term appreciation in this market.
Price History
Fertile Home Price Trend
City Comparison
Fertile vs. National Median
At $249,561, homes in Fertile cost 39% below the national median of $410,000. This makes Fertile a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Fertile?
20% Down Payment
$49,912
on $249,561
Monthly P&I
$1,302/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,654/mo
incl. taxes & insurance
Income Needed
$66,160
gross annual (30% rule)
10% Down Option
$24,956
+ PMI applies
Loan Amount (20% dn)
$199,649
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 Fertile, MN?
The median home value in Fertile is $249,561 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 7.3% year-over-year.
How much have home prices changed in Fertile?
Over the past year, home values in Fertile have increased by 7.3%. Over five years, prices have risen approximately 28.0%.
How much do I need to earn to buy a home in Fertile?
To comfortably afford the median home price of $249,561 with a 20% down payment ($49,912) at today's rates (6.8%), you'd need a gross annual income of approximately $66,160. This assumes keeping total housing costs at or below 30% of gross income.
How does Fertile compare to the national average home price?
The national median home value is approximately $410,000. At $249,561, homes in Fertile are 39% below the national average.
What metro area is Fertile part of?
Fertile is part of the Grand Forks, ND-MN metropolitan area. Home prices and market conditions can vary across the broader metro region.