In Belle Plaine, a typical home is worth $318,200 and typical rent is $1,342 a month. Compared with all of Scott County, the typical home value is 24% lower and typical household income is 17% lower.
Typical home value from Zillow, September 2021 to September 2026: from $309,960 to $349,668.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Belle Plaine is in Scott County. The FHA loan limit ($552,000 for a one-unit home), the fair market rents and the help on this page are those of all of Scott County. See the county
What this place has that others do not, from public data, most unusual first.
1
Belle Plaine has the 2nd largest share of rent-burdened renters of the 139 cities in Minnesota with more than 5,000 people (81%).
2
The typical home in Belle Plaine is worth $318,200,24% less than in Scott County as a whole ($419,400).
3
The typical household income in Belle Plaine is $99,315,17% less than in Scott County as a whole ($119,314).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Belle Plaine
What homes there are in Belle Plaine, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Belle Plaine
Scott County
Minnesota
United States
Kind of home: Belle Plaine and its comparisons
Measure
Belle Plaine
Scott County
Minnesota
United States
Detached house
79%
71%
66%
61%
Attached house
7%
16%
7%
6%
Building of 2 to 4
Unreliable estimate
2%
4%
8%
Apartments (5 or more)
Unreliable estimate
10%
19%
19%
Mobile home
Unreliable estimate
1%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses, standing on their own, make up 79% of homes here, against 71% in Scott County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Belle Plaine
Scott County
Minnesota
United States
Year built: Belle Plaine and its comparisons
Measure
Belle Plaine
Scott County
Minnesota
United States
Before 1960
19%
9%
29%
26%
1960–1979
12%
14%
23%
24%
1980–1999
21%
34%
24%
25%
2000–2009
32%
27%
13%
14%
2010 or later
16%
16%
10%
11%
In Belle Plaine, half of the homes were built before 1999; in Scott County, before 1997.
Much as in Scott County, 79% of homes in Belle Plaine have 3 bedrooms or more.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K34%
$300K–$500K53%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Belle Plaine and its comparisons
Measure
Belle Plaine
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
34%
$300K–$500K
53%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Belle Plaine and its comparisons
Measure
Belle Plaine
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,947 a month
Scott County: $2,329 a month
Without a mortgage
$769 a month
Scott County: $773 a month
Owners with a mortgage
75%
Scott County: 72%
The typical cost for an owner with a mortgage in Belle Plaine is $1,947 a month, less than in Scott County ($2,329); without one, $769.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Belle Plaine+46%
Scott County+40%
Minnesota+47%
United States+53%
Typical rent
Belle Plaine+60%
Scott County+34%
Minnesota+31%
United States+33%
Typical household income
Belle Plaine+25%
Scott County+17%
Minnesota+25%
United States+29%
Change since 2015–2019: Belle Plaine and its comparisons
Measure
Belle Plaine
Scott County
Minnesota
United States
Typical home value
+46%
+40%
+47%
+53%
Typical rent
+60%
+34%
+31%
+33%
Typical household income
+25%
+17%
+25%
+29%
From 2015–2019 to 2020–2024, the typical home value in Belle Plaine rose 46%; in Scott County, it rose 40%.
The typical rent in Belle Plaine rose 60% over the same time; in Scott County, it rose 34%.
Here income did not keep up with housing: it rose 25%, while home values changed +46% and rent +60%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Belle Plaine and its comparisons
Measure
Belle Plaine
Scott County
Minnesota
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
5.3%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.6%
0.9%
More than one person per room
Unreliable estimate
1.7%
2.3%
3.4%
People per household
2.70
2.78
2.43
2.53
Drive alone
80%
71%
69%
69%
Carpool
Unreliable estimate
7%
8%
9%
Public transit
Unreliable estimate
0%
2%
3%
Walk or bike
Unreliable estimate
1%
3%
3%
Work from home
8%
20%
18%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
By size, households in Belle Plaine look like those in Scott County: 2.70 people on average.
To get to work, 80% of workers in Belle Plaine drive alone; in Scott County, 71%.
Do the math
What would you pay each month for a home in Belle Plaine?
A typical home is tight for the typical income
We start with a typical home in Belle Plaine, worth $318,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Belle Plaine, which is $99,315 a year. For that payment to be 28% of income, a household would need to earn about $118,220 a year.
The calculator's FHA and conventional loan limits are those of all of Scott County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Belle Plaine. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $11,137 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,758
at 7.18% · 30 years
Loan amount
$312,437
Total interest
$449,523
Paid off in
November 2056
Includes $5,374 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,317 a month
Tight
$2,317 to $2,979 a month
Your payment · 33%
Hard
more than $2,979 a month
Compared with the typical household income in Belle Plaine ($99,315 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,117
Property tax
$369
Home insurance
$133
FHA mortgage insurance (MIP)
$141
You need at least $11,137 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $2,758; principal and interest $2,117.
The city and its county
Belle Plaine and Scott County
Belle Plaine is in Scott County, Minnesota. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Belle Plaine
Map of Scott County, Minnesota, with Belle Plaine marked. Around it, the neighboring counties.
Belle Plaine
Scott County
Other cities with a page
Belle Plaine's own numbers
Typical home value
$318,200
Typical monthly rent
$1,342
Typical yearly household income
$99,315
Households that own their home
84%
Effective property tax rate
1.39%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Scott County
FHA limit, one-unit home
$552,000
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,734
Price change over 5 years (FHFA)
+35%
Homes in a high flood-risk zone
0.7%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Scott County.
A typical home in Belle Plaine is worth $318,200: 24% below the county and 3% below Minnesota. With the typical household income in Belle Plaine ($99,315 a year), a typical home costs 3.2 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Belle Plaine3.2 years
Scott3.5 years
Minnesota3.7 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Scott County
According to FHFA’s house price index, home prices in Scott County rose 66% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Scott County.
Yearly change in FHFA’s price index in Scott County, 2016 to 2025
2016: +4.7% +4.7% 2016
2017: +5.0% +5.0% 2017
2018: +5.4% +5.4% 2018
2019: +3.5% +3.5% 2019
2020: +2.9% +2.9% 2020
2021: +9.7% +9.7% 2021
2022: +13.6% +13.6% 2022
2023: +3.4% +3.4% 2023
2024: +2.3% +2.3% 2024
2025: +2.4% +2.4% 2025
Change in FHFA’s price index in Scott County, Minnesota and the United States
Period
County
Minnesota
U.S.
Last year (2025)
+2.4%
+2.8%
+2.9%
5 years (2020–2025)
+35%
+37%
+47%
10 years (2015–2025)
+66%
+71%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Belle Plaine next to Scott County, Minnesota and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Belle Plaine$318,200
Scott$419,400
Minnesota$329,300
United States$332,700
Typical monthly rent
Belle Plaine$1,342
Scott$1,568
Minnesota$1,280
United States$1,413
Typical yearly household income
Belle Plaine$99,315
Scott$119,314
Minnesota$89,062
United States$80,734
See the full table
Belle Plaine next to Scott County and Minnesota
Measure
Belle Plaine
Scott County
Minnesota
U.S.
Typical home value
$318,200 ▼24% below the county
$419,400
$329,300
$332,700
Typical monthly rent
$1,342 ▼14% below the county
$1,568
$1,280
$1,413
Typical yearly household income
$99,315 ▼17% below the county
$119,314
$89,062
$80,734
Households that own their home
84%
84%
72%
65%
Typical yearly property tax
$4,410 ▲4% above the county
$4,230
$3,357
$3,119
Effective property tax rate
1.39% ▲0.38 points above the county
1.01%
1.02%
0.94%
Renters with high rent for their income
81% ▲29 points above the county
52%
48%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Scott County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Belle Plaine
For a typical $318,200 home in Belle Plaine, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Belle Plaine's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,758a month
Least cash to close
Down payment
$11,137
Cash to close
$20,683
Rate
7.18%
Mortgage insurance
FHA MIP · $141
Conventional, 5% down$2,700a month
Down payment
$15,910
Cash to close
$25,456
Rate
7.18%
Mortgage insurance
PMI · $151
Conventional, 20% down, no PMI$2,226a month
Down payment
$63,640
Cash to close
$73,186
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,520a month
Down payment
$47,730
Cash to close
$57,276
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Belle Plaine
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,758
$11,137
$312,437
7.18%
FHA MIP · $141
$20,683
580
Conventional, 5% down
$2,700
$15,910
$302,290
7.18%
PMI · $151
$25,456
620*
Conventional, 20% down, no PMI
$2,226
$63,640
$254,560
7.18%
None
$73,186
620*
ITIN, 15% down (example)
$2,520
$47,730
$270,470
8.18%
None
$57,276
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Belle Plaine is $1,342 a month: 14% below the county. In Belle Plaine, 81% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Scott County, by unit size. To pay the 2-bedroom one ($1,734 a month) without spending more than 30% of your income, you would need to earn $33.35 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Scott County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,265
$24.33
$50,600
1 bedroom
$1,427
$27.44
$57,080
2 bedrooms
$1,734
$33.35
$69,360
3 bedrooms
$2,264
$43.54
$90,560
4 bedrooms
$2,538
$48.81
$101,520
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Belle Plaine
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Belle Plaine is in ZIP code 56011.
For 2 bedrooms it is $1,610: $124 less than the fair market rent for Scott County ($1,734).
Fair market rent by ZIP code and size in Belle Plaine, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
56011
$1,170
$1,320
$1,610
$2,110
$2,380
ZIP code2 bd3 bd
56011 $1,610$2,110
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Belle Plaine when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 6 buildings with rents for lower incomes in Belle Plaine. These are the largest.
Cardinal Ridge Apartments (fka Belle Plaine Apartm200 W State St, Belle Plaine 5601135 homes, 34 low-income · 1 bd: 34 · 2 bd: 1 · In service since 1994
Belle Plaine ApartmentsMultiple Building Addresses, Belle Plaine 5601125 low-income homes · 1 bd: 3 · 2 bd: 16 · 3 bd: 6 · In service since 1996
Boessling Lutheran Village Apts611 W Main St, Belle Plaine 5601124 low-income homes · For older adults(952) 873-4176
Orchard Street TownhomesMultiple Building Addresses, Belle Plaine 5601124 low-income homes · 2 bd: 8 · 3 bd: 16 · In service since 2000
Belle Plaine Apartments222 E South St, Belle Plaine 5601125 homes, 20 low-income · For families
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There is 1 HUD-approved agency with an office in Scott County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Belle Plaine or Scott County. The ones below are statewide in Minnesota: they work in Belle Plaine the same as in the rest of the state.
Minnesota state agency loan for the down payment and closing costs alongside the Start Up mortgage for first-time buyers: up to $14,000 (or $18,000 in the Plus version), with no interest or monthly payments, repaid at the end of the mortgage.Offered by Minnesota Housing (Minnesota Housing Finance Agency).
Minnesota Housing loan of up to $14,000 for the down payment and closing costs, which you repay over 15 years at the same rate as your Minnesota Housing mortgage; it works with Start Up (first-time buyers) or Step Up.Offered by Minnesota Housing (Minnesota Housing Finance Agency).
The HUD-approved agencies closest to the center of Belle Plaine, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for Belle Plaine or Scott County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Belle Plaine and all of Scott County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Belle Plaine?
The typical home value in Belle Plaine is $318,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Scott County it is $419,400.
How much does it cost to rent in Belle Plaine?
Typical rent in Belle Plaine is $1,342 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Scott County is $1,734.
What is the FHA loan limit in Belle Plaine?
Belle Plaine uses the FHA limit for all of Scott County (2026): $552,000 for a one-unit home and $1,061,550 for a four-unit home.
How much property tax do owners pay in Belle Plaine?
The typical homeowner in Belle Plaine pays $4,410 a year, according to the U.S. Census Bureau. That is 1.39% of the home’s value; in Scott County, the rate is 1.01%.
Where can I find free help to buy or rent in Belle Plaine?
There is 1 HUD-approved counseling agency with an office in Scott County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
