MonitorBankRates
☰
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

Zumbro Falls, MN Housing Affordability Index

Zumbro Falls, Minnesota has an MBR Housing Affordability Index score of 116.9 (More Affordable Than Average) as of October 30, 2026, ranking 494th most affordable of 809 scored Minnesota cities, compared with 97.5 statewide and 97.4 nationally. On a median-priced $263,300 home with 20% down, the Minnesota average 30-year fixed rate of 7.27% means a monthly principal and interest payment of about $1,439, or 18% of the city’s $93,542 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Zumbro Falls 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.

Zumbro Falls MBR-HAI 116.9 More Affordable Than Average
Rank in Minnesota 494 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 $263,300 U.S. Census Bureau

Zumbro Falls is 19.4 points above the Minnesota score. Scores as of October 30, 2026. See the Minnesota index

View Zumbro Falls Mortgage Rates

What It Takes to Buy in Zumbro Falls

$1,439/mo
Principal & Interest
Median home, 20% down, 7.27%
$61,700
Income Needed
To keep the payment at 28% of income
$93,542
Median Household Income
Minnesota: $89,062
2.8x
Price-to-Income Ratio
Minnesota: 3.7x
$1,500/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,000/yr
Median Property Tax
1.14% of median value
11.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
100.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Zumbro Falls, Minnesota. The rate is the Minnesota average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

How Zumbro Falls Ranks in Minnesota

Powered byMonitorBankRates

Cite the Zumbro Falls Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Zumbro Falls, Minnesota score: 116.9 (More Affordable Than Average), ranked 494 of 809 Minnesota cities. monitorbankrates.com/housing-affordability-index/minnesota/zumbro-falls”