Market Overview
Home Prices in Ponsford, MN
The median home value in Ponsford, MN is $407,761 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4.8% compared to a year ago and up 1.4% from two years prior.
Compared to the U.S. national median of $410,000, homes in Ponsford are priced1% below average.
Over the past five years, Ponsford home values have risen by approximately29.8%, reflecting strong long-term appreciation in this market.
Price History
Ponsford Home Price Trend
2020
$267,133
$267K
—
2021
$314,232
$314K
+17.6%
2022
$370,017
$370K
+17.8%
2023
$375,336
$375K
+1.4%
2024
$383,777
$384K
+2.2%
2025
$389,086
$389K
+1.4%
2026
$407,761
$408K
+4.8%
City Comparison
Ponsford vs. National Median
🏠 Ponsford
$407,761
National Median
$410,000
At $407,761, homes in Ponsford cost 1% below the national median of $410,000. This makes Ponsford a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Ponsford?
20% Down Payment
$81,552
on $407,761
Monthly P&I
$2,127/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,701/mo
incl. taxes & insurance
Income Needed
$108,040
gross annual (30% rule)
10% Down Option
$40,776
+ PMI applies
Loan Amount (20% dn)
$326,209
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 Ponsford, MN?
The median home value in Ponsford is $407,761 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4.8% year-over-year.
How much have home prices changed in Ponsford?
Over the past year, home values in Ponsford have increased by 4.8%. Over five years, prices have risen approximately 29.8%.
How much do I need to earn to buy a home in Ponsford?
To comfortably afford the median home price of $407,761 with a 20% down payment ($81,552) at today's rates (6.8%), you'd need a gross annual income of approximately $108,040. This assumes keeping total housing costs at or below 30% of gross income.
How does Ponsford compare to the national average home price?
The national median home value is approximately $410,000. At $407,761, homes in Ponsford are 1% below the national average.