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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

Zemple, MN Housing Affordability Index

Zemple, Minnesota has an MBR Housing Affordability Index score of 463.2 (Highly Affordable) as of October 30, 2026, ranking 3rd most affordable of 809 scored Minnesota cities, compared with 97.5 statewide and 97.4 nationally. On a median-priced $47,800 home with 20% down, the Minnesota average 30-year fixed rate of 7.27% means a monthly principal and interest payment of about $261, or 3% of the city’s $102,639 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Zemple 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.

Zemple MBR-HAI 463.2 Highly Affordable
Rank in Minnesota 3 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 $47,800 U.S. Census Bureau

Zemple is 365.8 points above the Minnesota score. Scores as of October 30, 2026. See the Minnesota index

View Zemple Mortgage Rates

What It Takes to Buy in Zemple

$261/mo
Principal & Interest
Median home, 20% down, 7.27%
$11,200
Income Needed
To keep the payment at 28% of income
$102,639
Median Household Income
Minnesota: $89,062
0.5x
Price-to-Income Ratio
Minnesota: 3.7x
$544/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,290/yr
Median Property Tax
Minnesota figure
12.5%
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 Zemple, Minnesota. The rate is the Minnesota average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

How Zemple Ranks in Minnesota

Cities with similar scores
#1Alpha489.9 #2Hilltop463.5
#3Zemple463.2
#4Boyd447.2 #5Nassau420.4 #6Trail417.2
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Cite the Zemple Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Zemple, Minnesota score: 463.2 (Highly Affordable), ranked 3 of 809 Minnesota cities. monitorbankrates.com/housing-affordability-index/minnesota/zemple”