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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Sunfish Lake, MN Housing Affordability Index

Sunfish Lake, Minnesota has an MBR Housing Affordability Index score of 88.0 (Moderately Less Affordable) as of October 30, 2026, ranking 768th most affordable of 809 scored Minnesota cities, compared with 97.5 statewide and 97.4 nationally. On a median-priced $1,115,600 home with 20% down, a jumbo loan at 7.52% means a monthly principal and interest payment of about $6,250, or 32% of the city’s $236,250 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Sunfish Lake is updated every night from live Minnesota mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Sunfish Lake MBR-HAI 88.0 Moderately Less Affordable
Rank in Minnesota 768 of 809 1 = most affordable
Minnesota 97.5 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.27% Minnesota lenders
Median home value $1,115,600 U.S. Census Bureau

Sunfish Lake is 9.4 points below the Minnesota score. Scores as of October 30, 2026. See the Minnesota index

View Sunfish Lake Mortgage Rates

What It Takes to Buy in Sunfish Lake

$6,250/mo
Principal & Interest
Median home, 20% down, 7.52% jumbo
$267,900
Income Needed
To keep the payment at 28% of income
$236,250
Median Household Income
Minnesota: $89,062
4.7x
Price-to-Income Ratio
Minnesota: 3.7x
$3,406/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,290/yr
Median Property Tax
Minnesota figure
20.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
44.9%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Sunfish Lake, Minnesota. The rate is the Minnesota average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state. A 20% down loan on the median home here is above the $832,750 conforming limit, so the index adds 0.25% for jumbo pricing.

Cite the Sunfish Lake Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Sunfish Lake, Minnesota score: 88.0 (Moderately Less Affordable), ranked 768 of 809 Minnesota cities. monitorbankrates.com/housing-affordability-index/minnesota/sunfish-lake”