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City · 6,942 residents · Wright County, Minnesota

Delano , Minnesota

In Delano, a typical home is worth $375,200 and typical rent is $964 a month. Compared with all of Wright County, typical rent is 25% lower and the share of households that own their home is 7 points lower.

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  • Typical home value

    $375,200

    5% above the county

    14% above Minnesota

    • Delano
    • Wright
    • Minnesota

  • Typical rent

    $964a month

    25% below the county

    25% below Minnesota

    • Delano
    • Wright
    • Minnesota

  • Typical household income

    $109,946a year

    3% above the county

    23% above Minnesota

    • Delano
    • Wright
    • Minnesota

  • Households that own their home

    77%

    7 points below the county

    5 points above Minnesota

    • Delano
    • Wright
    • Minnesota

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

Market now, with Zillow data

Zillow data
Typical home value
$440,606
about the same as 12 months ago

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

Delano is in Wright 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 Wright County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Delano apart

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

  1. The typical rent in Delano is $964 a month, 25% less than in Wright County as a whole ($1,288).

  2. Nearby, in Buffalo, the typical home value is $314,400: 16% less than in Delano ($375,200).

  3. 77% of households in Delano own their home, against 84% in Wright County.

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

The homes here

Housing in Delano

What homes there are in Delano, 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

In Delano, 8 in 10 homes are single-family detached houses, about the same as in Wright County.

Year built

The typical year built in Delano is 1997, about the same as in Wright County (1995).

By size, homes in Delano look like those in Wright County: 76% have 3 bedrooms or more.

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

$2,197 a month

Wright County: $2,098 a month

Without a mortgage

$695 a month

Wright County: $706 a month

Owners with a mortgage

72%

Wright County: 71%

In Delano, 72% of owners have a mortgage; their typical cost is $2,197 a month, about the same as in Wright County.

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

From 2015–2019 to 2020–2024, the typical home value in Delano rose 45%; in Wright County, it rose 51%.

Rents in Delano rose more slowly than in Wright County: 13% since 2015–2019, against 33%.

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

MeasureDelanoWright CountyMinnesotaUnited States
Rental vacancy Unreliable estimateUnreliable estimate5.3%5.5%
Homeowner vacancy Unreliable estimate0.5%0.6%0.9%
More than one person per room Unreliable estimate1.5%2.3%3.4%
People per household 2.642.722.432.53
Drive alone 74%75%69%69%
Carpool Unreliable estimate8%8%9%
Public transit Unreliable estimate0%2%3%
Walk or bike Unreliable estimate1%3%3%
Work from home 17%15%18%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Much as in Wright County, a household in Delano has 2.64 people on average.

To get to work, 74% of workers in Delano drive alone; in Wright County, 75%.

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 Delano?

A typical home is tight for the typical income

We start with a typical home in Delano, worth $375,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Delano, which is $109,946 a year. For that payment to be 28% of income, a household would need to earn about $134,707 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Delano. 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 $13,132 (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

$3,143

at 7.18% · 30 years

Loan amount
$368,404
Total interest
$530,047
Paid off in
November 2056

Includes $6,336 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,565 a month

  • Tight

    $2,565 to $3,298 a month

    Your payment · 34%

  • Hard

    more than $3,298 a month

Compared with the typical household income in Delano ($109,946 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,143
Principal & interest$2,496
Property tax$325
Home insurance$156
FHA mortgage insurance (MIP)$166

You need at least $13,132 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

Delano and Wright County

Delano is in Wright 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).

Delano's own numbers

Typical home value
$375,200
Typical monthly rent
$964
Typical yearly household income
$109,946
Households that own their home
77%
Effective property tax rate
1.04%

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

Numbers for all of Wright 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)
+38%

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 Wright County.

Everything about Wright County

Buying

Buying a home in Delano

A typical home in Delano is worth $375,200: 5% above the county and 14% above Minnesota. With the typical household income in Delano ($109,946 a year), a typical home costs 3.4 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.

  • Delano 3.4 years
  • Wright 3.3 years
  • Minnesota 3.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Wright County

According to FHFA’s house price index, home prices in Wright County rose 77% in the 10 years through 2025.

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

Period County Minnesota U.S.
Last year (2025) +1.8% +2.8% +2.9%
5 years (2020–2025) +38% +37% +47%
10 years (2015–2025) +77% +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

Delano next to Wright 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
  • Delano $375,200
  • Wright $358,900
  • Minnesota $329,300
  • United States $332,700
Typical monthly rent
  • Delano $964
  • Wright $1,288
  • Minnesota $1,280
  • United States $1,413
Typical yearly household income
  • Delano $109,946
  • Wright $107,209
  • Minnesota $89,062
  • United States $80,734
See the full table
Delano next to Wright County and Minnesota
Measure Delano Wright County Minnesota U.S.
Typical home value $375,200 $358,900 $329,300 $332,700
Typical monthly rent $964 $1,288 $1,280 $1,413
Typical yearly household income $109,946 $107,209 $89,062 $80,734
Households that own their home 77% 84% 72% 65%
Typical yearly property tax $3,884 $3,523 $3,357 $3,119
Effective property tax rate 1.04% 0.98% 1.02% 0.94%
Renters with high rent for their income 46% 41% 48% 51%

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

For a typical $375,200 home in Delano, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Delano's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,143a month

    Least cash to close
    Down payment
    $13,132
    Cash to close
    $24,388
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $166

  • Conventional, 5% down $3,074a month

    Down payment
    $18,760
    Cash to close
    $30,016
    Rate
    7.18%
    Mortgage insurance
    PMI · $178

  • Conventional, 20% down, no PMI $2,515a month

    Down payment
    $75,040
    Cash to close
    $86,296
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,862a month

    Down payment
    $56,280
    Cash to close
    $67,536
    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 Delano and for Wright County.

Property tax

Effective rate in Delano

1.04%of the home’s value each year

$3,884 a year for the typical owner in Delano.

  • Delano 1.04%
  • Wright 0.98%
  • 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 Wright County

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

FEMA’s maps count no homes in the high-risk zone in Wright County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Delano

Typical rent in Delano is $964 a month: 25% below the county. In Delano, 46% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Wright 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 Wright 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 Delano

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Delano is in ZIP code 55328.

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

  • 55328 $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 Delano 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 Delano

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

  • Gateway Village Apartments 1466 Saint Peter St, Delano 55328 44 homes, 43 low-income · 1 bd: 9 · 2 bd: 29 · 3 bd: 6 · In service since 2005 · For families
  • Crow River Villa 125 5th St S, Delano 55328 30 low-income homes · Run by Hra of City of Delano, Minnesota · Average payment: $400 a month (763) 972-2945
  • Delano Commons 1460 Saint Peter Ave E, Delano 55328 30 homes, 29 low-income · For older adults (763) 972-2930

See all 36 buildings in Wright County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Delano

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 Wright County. The nearest ones are below; many serve by phone or online.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Delano

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

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

  • Community Action Partnership of Hennepin County

    7101 Northland Cir N, Brooklyn Park · 20 miles away

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

  • Scott County Community Development Agency

    100 5th Ave E, Shakopee · 21 miles away · Spanish

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 1 more
    (952) 402-9022

  • Capi USA

    5930 Brooklyn Blvd, Brooklyn Center · 23 miles away · Spanish

    Also serves in Hmong.

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

All counseling agencies in Minnesota

Help in Spanish near Delano

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 Delano

HUD’s record names them for Delano or Wright County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

All housing agencies in Minnesota Source: HUD

Cities

Other cities in Wright County

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

Everything about Wright County Housing in Minnesota

Nearby cities

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

Neighboring counties

If Wright 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 Delano.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Delano

Short answers with the numbers for Delano and all of Wright 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 Delano?

The typical home value in Delano is $375,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Wright County it is $358,900.

How much does it cost to rent in Delano?

Typical rent in Delano is $964 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Wright County is $1,734.

What is the FHA loan limit in Delano?

Delano uses the FHA limit for all of Wright 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 Delano?

The typical homeowner in Delano pays $3,884 a year, according to the U.S. Census Bureau. That is 1.04% of the home’s value; in Wright County, the rate is 0.98%.

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

We found no HUD-approved counseling agencies with an office in Wright 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).