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City · 22,476 residents · Hennepin County, Minnesota

Crystal , Minnesota

In Crystal, a typical home is worth $296,100 and typical rent is $1,467 a month. Compared with all of Hennepin County, the typical home value is 25% lower, typical household income is 5% lower, and the share of households that own their home is 14 points higher.

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  • Typical home value

    $296,100

    25% below the county

    10% below Minnesota

    • Crystal
    • Hennepin
    • Minnesota

  • Typical rent

    $1,467a month

    About the same as the county

    15% above Minnesota

    • Crystal
    • Hennepin
    • Minnesota

  • Typical household income

    $92,513a year

    5% below the county

    4% above Minnesota

    • Crystal
    • Hennepin
    • Minnesota

  • Households that own their home

    77%

    14 points above the county

    5 points above Minnesota

    • Crystal
    • Hennepin
    • Minnesota

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

Market now, with Zillow data

Zillow data
Typical home value
$315,531
0.9% more than 12 months ago
Typical rent
$1,385 a month

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

Crystal is in Hennepin 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 Hennepin County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Crystal apart

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

  1. 77% of households in Crystal own their home, against 63% in Hennepin County.

  2. The typical home in Crystal is worth $296,100, 25% less than in Hennepin County as a whole ($392,900).

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

The homes here

Housing in Crystal

What homes there are in Crystal, 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 rules in Crystal: 77% of homes, more than in Hennepin County (52%).

Year built

In Crystal, half of the homes were built before 1959; in Hennepin County, before 1973.

Homes in Crystal are bigger: 66% have 3 bedrooms or more; in Hennepin County, 52%.

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

$1,894 a month

Hennepin County: $2,255 a month

Without a mortgage

$681 a month

Hennepin County: $853 a month

Owners with a mortgage

71%

Hennepin County: 69%

Owning costs less in Crystal: with a mortgage, the typical cost is $1,894 a month; in Hennepin County, $2,255. Without one, $681.

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 Crystal gained value faster than in Hennepin County: 50% against 42%.

Much as in Hennepin County, the typical rent in Crystal rose 34% since 2015–2019.

To compare: typical income in Crystal rose 37%; the home, +50%; the rent, +34%.

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

MeasureCrystalHennepin CountyMinnesotaUnited States
Rental vacancy Unreliable estimate5.9%5.3%5.5%
Homeowner vacancy Unreliable estimate0.6%0.6%0.9%
More than one person per room Unreliable estimate2.7%2.3%3.4%
People per household 2.402.302.432.53
Drive alone 64%60%69%69%
Carpool 10%6%8%9%
Public transit Unreliable estimate4%2%3%
Walk or bike Unreliable estimate4%3%3%
Work from home 21%25%18%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Crystal has 2.40 people on average, about the same as in Hennepin County (2.30).

Carpooling is common in Crystal: 10% of workers get to work that way, against 6% in Hennepin 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 Crystal?

A typical home is tight for the typical income

We start with a typical home in Crystal, worth $296,100, 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 Crystal, which is $92,513 a year. For that payment to be 28% of income, a household would need to earn about $108,317 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Crystal. 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 $10,364 (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

$2,527

at 7.18% · 30 years

Loan amount
$290,736
Total interest
$418,301
Paid off in
November 2056

Includes $5,000 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,159 a month

  • Tight

    $2,159 to $2,775 a month

    Your payment · 33%

  • Hard

    more than $2,775 a month

Compared with the typical household income in Crystal ($92,513 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,527
Principal & interest$1,970
Property tax$304
Home insurance$123
FHA mortgage insurance (MIP)$131

You need at least $10,364 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

Crystal and Hennepin County

Crystal is in Hennepin 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).

Crystal's own numbers

Typical home value
$296,100
Typical monthly rent
$1,467
Typical yearly household income
$92,513
Households that own their home
77%
Effective property tax rate
1.23%

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

Numbers for all of Hennepin 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)
+30%
Homes in a high flood-risk zone
0.5%

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 Hennepin County.

Everything about Hennepin County

Buying

Buying a home in Crystal

A typical home in Crystal is worth $296,100: 25% below the county and 10% below Minnesota. With the typical household income in Crystal ($92,513 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.

  • Crystal 3.2 years
  • Hennepin 4.0 years
  • Minnesota 3.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Hennepin County

According to FHFA’s house price index, home prices in Hennepin County rose 65% in the 10 years through 2025.

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

Period County Minnesota U.S.
Last year (2025) +3.0% +2.8% +2.9%
5 years (2020–2025) +30% +37% +47%
10 years (2015–2025) +65% +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

Crystal next to Hennepin 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
  • Crystal $296,100
  • Hennepin $392,900
  • Minnesota $329,300
  • United States $332,700
Typical monthly rent
  • Crystal $1,467
  • Hennepin $1,487
  • Minnesota $1,280
  • United States $1,413
Typical yearly household income
  • Crystal $92,513
  • Hennepin $97,653
  • Minnesota $89,062
  • United States $80,734
See the full table
Crystal next to Hennepin County and Minnesota
Measure Crystal Hennepin County Minnesota U.S.
Typical home value $296,100 $392,900 $329,300 $332,700
Typical monthly rent $1,467 $1,487 $1,280 $1,413
Typical yearly household income $92,513 $97,653 $89,062 $80,734
Households that own their home 77% 63% 72% 65%
Typical yearly property tax $3,643 $4,480 $3,357 $3,119
Effective property tax rate 1.23% 1.14% 1.02% 0.94%
Renters with high rent for their income 54% 48% 48% 51%

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

For a typical $296,100 home in Crystal, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Crystal's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,527a month

    Least cash to close
    Down payment
    $10,364
    Cash to close
    $19,247
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $131

  • Conventional, 5% down $2,473a month

    Down payment
    $14,805
    Cash to close
    $23,688
    Rate
    7.18%
    Mortgage insurance
    PMI · $141

  • Conventional, 20% down, no PMI $2,032a month

    Down payment
    $59,220
    Cash to close
    $68,103
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,305a month

    Down payment
    $44,415
    Cash to close
    $53,298
    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 Crystal and for Hennepin County.

Property tax

Effective rate in Crystal

1.23%of the home’s value each year

$3,643 a year for the typical owner in Crystal.

  • Crystal 1.23%
  • Hennepin 1.14%
  • 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 Hennepin County

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

Homes in the high-risk zone
0.5%
1,992
Of those, with NFIP insurance
15%
County Minnesota U.S.
Homes in the high-risk zone 0.5% 0.7% 3.5%
Of those, with NFIP insurance 15% 17% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Crystal

Typical rent in Crystal is $1,467 a month: about the same as the county. In Crystal, 54% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Hennepin 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 Hennepin 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 Crystal

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Crystal has 4 ZIP codes with their own.

For 2 bedrooms it runs from $1,540 in 55429 to $1,890 in 55422.

2 of the 4 are above the fair market rent for Hennepin County ($1,734).

  • 55422 $1,890$2,470
  • 55427 $1,780$2,320
  • 55428 $1,580$2,060
  • 55429 $1,540$2,040

4 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Crystal 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 Crystal

HUD lists 3 buildings with rents for lower incomes in Crystal. These are the largest.

  • Kentucky Lane Apartments (crystal 54) Multiple Building Addresses, Crystal 55428 68 homes, 51 low-income · 1 bd: 20 · 2 bd: 48 · In service since 2001
  • Four Seasons 3317 Douglas Dr N, Crystal 55422 7 low-income homes · For people with disabilities (763) 537-4410
  • 5240 Apartments 5240 W Broadway Ave, Crystal 55429 58 homes, 5 low-income (763) 212-5420

See all 329 buildings in Hennepin County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Crystal

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 are 8 HUD-approved agencies with an office in Hennepin County; 3 say they serve in Spanish.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Crystal

No down payment, repair or rent-help program on our list is for Crystal or Hennepin County. The ones below are statewide in Minnesota: they work in Crystal 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 Crystal

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

  • Capi USA

    5930 Brooklyn Blvd, Brooklyn Center · 2 miles away · Spanish

    Also serves in Hmong.

    • Budget and financial counseling
    • Budget and credit workshops
    • and 3 more
    (612) 721-0122

  • NSC (naca Counseling Subsidiary) - Minneapolis, MN

    6300 Shingle Creek Pkwy Ste 145, Brooklyn Center · 3 miles away · Spanish

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

  • Community Action Partnership of Hennepin County

    7101 Northland Cir N, Brooklyn Park · 4 miles away

    • Pre-purchase counseling
    • Homebuyer education workshops
    (952) 697-1303

Every agency in Hennepin County All counseling agencies in Minnesota

Help in Spanish near Crystal

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 Crystal

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

7 other authorities have an office in Hennepin County: see the list Source: HUD

Cities

Other cities in Hennepin County

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

Everything about Hennepin County Housing in Minnesota
See 13 more cities in Hennepin County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Crystal, with the typical home value.

Neighboring counties

If Hennepin 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 Crystal.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Crystal

Short answers with the numbers for Crystal and all of Hennepin 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 Crystal?

The typical home value in Crystal is $296,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hennepin County it is $392,900.

How much does it cost to rent in Crystal?

Typical rent in Crystal is $1,467 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Hennepin County is $1,734.

What is the FHA loan limit in Crystal?

Crystal uses the FHA limit for all of Hennepin 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 Crystal?

The typical homeowner in Crystal pays $3,643 a year, according to the U.S. Census Bureau. That is 1.23% of the home’s value; in Hennepin County, the rate is 1.14%.

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

There are 8 HUD-approved counseling agencies with an office in Hennepin County. 3 say they serve in Spanish. 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).