Español

Este sitio también está en español. Leer en español

City · 5,899 residents · Chisago County, Minnesota

Chisago City , Minnesota

In Chisago City, a typical home is worth $413,000 and typical rent is $1,321 a month. Compared with all of Chisago County, the typical home value is 17% higher, typical rent is 11% higher, and the share of households that own their home is 13 points lower.

WhatsApp

  • Typical home value

    $413,000

    17% above the county

    25% above Minnesota

    • Chisago City
    • Chisago
    • Minnesota

  • Typical rent

    $1,321a month

    11% above the county

    3% above Minnesota

    • Chisago City
    • Chisago
    • Minnesota

  • Typical household income

    $102,197a year

    3% above the county

    15% above Minnesota

    • Chisago City
    • Chisago
    • Minnesota

  • Households that own their home

    73%

    13 points below the county

    About the same as Minnesota

    • Chisago City
    • Chisago
    • Minnesota

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$440,485
2% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Chisago City is in Chisago 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 Chisago County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Chisago City apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in North Branch, the typical home value is $322,300: 22% less than in Chisago City ($413,000).

  2. 73% of households in Chisago City own their home, against 86% in Chisago County.

  3. The typical home in Chisago City is worth $413,000, 17% more than in Chisago County as a whole ($351,900).

  4. Chisago City has the 13th largest share of rent-burdened renters of the 139 cities in Minnesota with more than 5,000 people (62%).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Chisago City

What homes there are in Chisago City, 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

The detached house is still the most common home in Chisago City, but it weighs less than in Chisago County: 66% against 81%.

Year built

In Chisago City, half of the homes were built before 1991; in Chisago County, before 1992.

There are fewer big homes in Chisago City than in Chisago County: 65% have 3 bedrooms or more, against 76%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,104 a month

Chisago County: $1,992 a month

Without a mortgage

$822 a month

Chisago County: $727 a month

Owners with a mortgage

67%

Chisago County: 68%

Owning costs more in Chisago City: with a mortgage, the typical cost is $2,104 a month; in Chisago County, $1,992. Without one, $822.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Since 2015–2019, homes in Chisago City gained value faster than in Chisago County: 58% against 52%.

Rent in Chisago City moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureChisago CityChisago CountyMinnesotaUnited States
Rental vacancy Unreliable estimateUnreliable estimate5.3%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.6%0.9%
More than one person per room Unreliable estimate1.1%2.3%3.4%
People per household 2.522.632.432.53
Drive alone 67%75%69%69%
Carpool Unreliable estimate8%8%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike Unreliable estimate1%3%3%
Work from home 21%14%18%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Much as in Chisago County, a household in Chisago City has 2.52 people on average.

Working from home is more common in Chisago City: 21%, against 14% in Chisago County.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Chisago City?

A typical home costs more than the typical income allows

We start with a typical home in Chisago City, worth $413,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in Chisago City, which is $102,197 a year. For that payment to be 28% of income, a household would need to earn about $147,835 a year.

The calculator's FHA and conventional loan limits are those of all of Chisago County.

Your numbers

Local data
$

Starts at the typical home value in Chisago City. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $14,455 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,449

at 7.18% · 30 years

Loan amount
$405,520
Total interest
$583,447
Paid off in
November 2056

Includes $6,975 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,385 a month

  • Tight

    $2,385 to $3,066 a month

  • Hard

    more than $3,066 a month

    Your payment · 41%

Compared with the typical household income in Chisago City ($102,197 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,449
Principal & interest$2,747
Property tax$348
Home insurance$172
FHA mortgage insurance (MIP)$183

You need at least $14,455 for the down payment, plus closing costs.

Next step

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.

The city and its county

Chisago City and Chisago County

Chisago City is in Chisago 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).

Chisago City's own numbers

Typical home value
$413,000
Typical monthly rent
$1,321
Typical yearly household income
$102,197
Households that own their home
73%
Effective property tax rate
1.01%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Chisago 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)
+40%
Homes in a high flood-risk zone
1%

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 Chisago County.

Everything about Chisago County

Buying

Buying a home in Chisago City

A typical home in Chisago City is worth $413,000: 17% above the county and 25% above Minnesota. With the typical household income in Chisago City ($102,197 a year), a typical home costs 4.0 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.

  • Chisago City 4.0 years
  • Chisago 3.5 years
  • Minnesota 3.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Chisago County

According to FHFA’s house price index, home prices in Chisago County rose 87% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Chisago County.

Period County Minnesota U.S.
Last year (2025) +2.3% +2.8% +2.9%
5 years (2020–2025) +40% +37% +47%
10 years (2015–2025) +87% +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

Chisago City next to Chisago 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
  • Chisago City $413,000
  • Chisago $351,900
  • Minnesota $329,300
  • United States $332,700
Typical monthly rent
  • Chisago City $1,321
  • Chisago $1,186
  • Minnesota $1,280
  • United States $1,413
Typical yearly household income
  • Chisago City $102,197
  • Chisago $99,400
  • Minnesota $89,062
  • United States $80,734
See the full table
Chisago City next to Chisago County and Minnesota
Measure Chisago City Chisago County Minnesota U.S.
Typical home value $413,000 $351,900 $329,300 $332,700
Typical monthly rent $1,321 $1,186 $1,280 $1,413
Typical yearly household income $102,197 $99,400 $89,062 $80,734
Households that own their home 73% 86% 72% 65%
Typical yearly property tax $4,176 $3,780 $3,357 $3,119
Effective property tax rate 1.01% 1.07% 1.02% 0.94%
Renters with high rent for their income 62% 52% 48% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Chisago 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 Chisago City

For a typical $413,000 home in Chisago City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Chisago City's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,449a month

    Least cash to close
    Down payment
    $14,455
    Cash to close
    $26,845
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $183

  • Conventional, 5% down $3,374a month

    Down payment
    $20,650
    Cash to close
    $33,040
    Rate
    7.18%
    Mortgage insurance
    PMI · $196

  • Conventional, 20% down, no PMI $2,758a month

    Down payment
    $82,600
    Cash to close
    $94,990
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,140a month

    Down payment
    $61,950
    Cash to close
    $74,340
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Chisago City and for Chisago County.

Property tax

Effective rate in Chisago City

1.01%of the home’s value each year

$4,176 a year for the typical owner in Chisago City.

  • Chisago City 1.01%
  • Chisago 1.07%
  • Minnesota 1.02%

What Minnesota publishes Homestead market value exclusion (Minnesota Office of the Revisor of Statutes (Minnesota Statutes))

Exemptions and deadlines in Minnesota

Flood risk in Chisago County

FEMA does not publish these numbers by city: they are for all of Chisago County.

Homes in the high-risk zone
1%
260
Of those, with NFIP insurance
9.6%
County Minnesota U.S.
Homes in the high-risk zone 1% 0.7% 3.5%
Of those, with NFIP insurance 9.6% 17% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Chisago City

Typical rent in Chisago City is $1,321 a month: 11% above the county. In Chisago City, 62% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Chisago 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.

HUD fair market rent for all of Chisago County

What you need to earn to pay it without spending more than 30% of income, working full time.

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 Chisago City

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Chisago City is in ZIP code 55013.

For 2 bedrooms it is $1,540: $194 less than the fair market rent for Chisago County ($1,734).

  • 55013 $1,540$2,040

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Chisago City 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Chisago City

HUD lists one building with rents for lower incomes in Chisago City.

  • Parmly Lakeview Apartments 10600 282nd St, Chisago City 55013 60 low-income homes · For older adults (651) 257-0581

See all 14 buildings in Chisago County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Chisago City

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.

We found no HUD-approved agencies with an office in Chisago County. The nearest ones are below; many serve by phone or online.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Chisago City

No down payment, repair or rent-help program on our list is for Chisago City or Chisago County. The ones below are statewide in Minnesota: they work in Chisago City the same as in the rest of the state.

Which programs do I qualify for? All programs in Minnesota

  • Deferred Payment Loan (Start Up)

    Statewide in Minnesota

    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).

    Deferred

    See the program Official page

  • Monthly Payment Loan

    Statewide in Minnesota

    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).

    Repayable

    See the program Official page

Housing counselors near Chisago City

The HUD-approved agencies closest to the center of Chisago City, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Anoka County Community Action Program, Inc

    1201 89th Ave NE Ste 345, Blaine · 23 miles away

    • Pre-purchase counseling
    • Homebuyer education workshops
    763-783-4747x4851

  • Navicore Solutions-Roseville, MN

    1700 Highway 36 W Ste 510, Roseville · 28 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (866) 472-4557

  • NSC (naca Counseling Subsidiary) - Minneapolis, MN

    6300 Shingle Creek Pkwy Ste 145, Brooklyn Center · 28 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (763) 656-6222

All counseling agencies in Minnesota

Help in Spanish near Chisago City

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Chisago City

In HUD’s record, no housing authority with an office in Chisago County is named for Chisago City or Chisago County.

One other authority has an office in Chisago County: see the list Source: HUD

Cities

Other cities in Chisago County

These cities are also in Chisago County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Chisago County Housing in Minnesota

Nearby cities

The cities closest to Chisago City, with the typical home value.

Neighboring counties

If Chisago County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Chisago City.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Chisago City

Short answers with the numbers for Chisago City and all of Chisago 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 Chisago City?

The typical home value in Chisago City is $413,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Chisago County it is $351,900.

How much does it cost to rent in Chisago City?

Typical rent in Chisago City is $1,321 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Chisago County is $1,734.

What is the FHA loan limit in Chisago City?

Chisago City uses the FHA limit for all of Chisago 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 Chisago City?

The typical homeowner in Chisago City pays $4,176 a year, according to the U.S. Census Bureau. That is 1.01% of the home’s value; in Chisago County, the rate is 1.07%.

Where can I find free help to buy or rent in Chisago City?

We found no HUD-approved counseling agencies with an office in Chisago County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).