Español

Este sitio también está en español. Leer en español

City · 5,642 residents · Koochiching County, Minnesota

International Falls , Minnesota

In International Falls, a typical home is worth $120,400 and typical rent is $645 a month. Compared with all of Koochiching County, the typical home value is 23% lower, typical household income is 14% lower, and the share of households that own their home is 9 points lower.

WhatsApp

  • Typical home value

    $120,400

    23% below the county

    63% below Minnesota

    • International Falls
    • Koochiching
    • Minnesota

  • Typical rent

    $645a month

    4% below the county

    50% below Minnesota

    • International Falls
    • Koochiching
    • Minnesota

  • Typical household income

    $57,662a year

    14% below the county

    35% below Minnesota

    • International Falls
    • Koochiching
    • Minnesota

  • Households that own their home

    71%

    9 points below the county

    1 points below Minnesota

    • International Falls
    • Koochiching
    • Minnesota

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

Market now, with Zillow data

Zillow data
Typical home value
$159,083
5.3% more than 12 months ago

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

International Falls is in Koochiching County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Koochiching County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets International Falls apart

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

  1. International Falls has the lowest typical rent of the 148 cities in Minnesota with more than 5,000 people: $645.

  2. International Falls has the lowest typical home value of the 152 cities in Minnesota with more than 5,000 people: $120,400.

  3. International Falls has the 4th smallest share of rent-burdened renters of the 139 cities in Minnesota with more than 5,000 people (34%).

  4. According to Zillow, in the 12 months to September 2026 the typical home value in International Falls rose 5.3%; in Minnesota, it rose 2.3%.

  5. International Falls has the 11th lowest typical household income of the 152 cities in Minnesota with more than 5,000 people ($57,662).

  6. 71% of households in International Falls own their home, against 80% in Koochiching County.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in International Falls

What homes there are in International Falls, 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 International Falls, 8 in 10 homes are single-family detached houses; in Koochiching County, 8.

Year built

Homes in International Falls are older: the typical year built is 1965; in Koochiching County, 1972.

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 HUD fair market rent of $1,014 for 2 bedrooms, at least 85% of rented homes in International Falls sit below it.

With a mortgage

$1,036 a month

Koochiching County: $1,199 a month

Without a mortgage

$403 a month

Koochiching County: $461 a month

Owners with a mortgage

52%

Koochiching County: 47%

Owning costs less in International Falls: with a mortgage, the typical cost is $1,036 a month; in Koochiching County, $1,199. Without one, $403.

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

Homes in International Falls gained value more slowly than in Koochiching County: 37% since 2015–2019, against 45%.

Rent in International Falls 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

MeasureInternational FallsKoochiching 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 estimateUnreliable estimate2.3%3.4%
People per household 1.841.962.432.53
Drive alone 67%71%69%69%
Carpool 10%10%8%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike Unreliable estimate5%3%3%
Work from home Unreliable estimate12%18%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute under 10 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 1.84 on average, against 1.96 in Koochiching County.

In International Falls, 67% of workers drive alone to work; in Koochiching County, 71%.

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 International Falls?

A typical home is within reach of the typical income

We start with a typical home in International Falls, worth $120,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 21% of the typical household income in International Falls, which is $57,662 a year.

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

Your numbers

Local data
$

Starts at the typical home value in International Falls. 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 $4,214 (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

$998

at 7.18% · 30 years

Loan amount
$118,219
Total interest
$170,090
Paid off in
November 2056

Includes $2,033 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,345 a month

    Your payment · 21%

  • Tight

    $1,345 to $1,730 a month

  • Hard

    more than $1,730 a month

Compared with the typical household income in International Falls ($57,662 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$998
Principal & interest$801
Property tax$93
Home insurance$50
FHA mortgage insurance (MIP)$53

You need at least $4,214 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

International Falls and Koochiching County

International Falls is in Koochiching 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).

International Falls's own numbers

Typical home value
$120,400
Typical monthly rent
$645
Typical yearly household income
$57,662
Households that own their home
71%
Effective property tax rate
0.93%

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

Numbers for all of Koochiching County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,014
Price change over 5 years (FHFA)
+56%

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 Koochiching County.

Everything about Koochiching County

Buying

Buying a home in International Falls

A typical home in International Falls is worth $120,400: 23% below the county and 63% below Minnesota. With the typical household income in International Falls ($57,662 a year), a typical home costs 2.1 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.

  • International Falls 2.1 years
  • Koochiching 2.3 years
  • Minnesota 3.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Koochiching County

According to FHFA’s house price index, home prices in Koochiching County rose 69% in the 10 years through 2025.

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

Period County Minnesota U.S.
Last year (2025) +8.8% +2.8% +2.9%
5 years (2020–2025) +56% +37% +47%
10 years (2015–2025) +69% +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

International Falls next to Koochiching 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
  • International Falls $120,400
  • Koochiching $156,600
  • Minnesota $329,300
  • United States $332,700
Typical monthly rent
  • International Falls $645
  • Koochiching $671
  • Minnesota $1,280
  • United States $1,413
Typical yearly household income
  • International Falls $57,662
  • Koochiching $66,940
  • Minnesota $89,062
  • United States $80,734
See the full table
International Falls next to Koochiching County and Minnesota
Measure International Falls Koochiching County Minnesota U.S.
Typical home value $120,400 $156,600 $329,300 $332,700
Typical monthly rent $645 $671 $1,280 $1,413
Typical yearly household income $57,662 $66,940 $89,062 $80,734
Households that own their home 71% 80% 72% 65%
Typical yearly property tax $1,116 $1,156 $3,357 $3,119
Effective property tax rate 0.93% 0.74% 1.02% 0.94%
Renters with high rent for their income 34% 32% 48% 51%

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

For a typical $120,400 home in International Falls, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, International Falls's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $998a month

    Least cash to close
    Down payment
    $4,214
    Cash to close
    $7,826
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $53

  • Conventional, 5% down $976a month

    Down payment
    $6,020
    Cash to close
    $9,632
    Rate
    7.18%
    Mortgage insurance
    PMI · $57

  • Conventional, 20% down, no PMI $796a month

    Down payment
    $24,080
    Cash to close
    $27,692
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $907a month

    Down payment
    $18,060
    Cash to close
    $21,672
    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 International Falls and for Koochiching County.

Property tax

Effective rate in International Falls

0.93%of the home’s value each year

$1,116 a year for the typical owner in International Falls.

  • International Falls 0.93%
  • Koochiching 0.74%
  • 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 Koochiching County

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

FEMA’s maps count no homes in the high-risk zone in Koochiching 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 International Falls

Typical rent in International Falls is $645 a month: 4% below the county. In International Falls, 34% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Koochiching County, by unit size. To pay the 2-bedroom one ($1,014 a month) without spending more than 30% of your income, you would need to earn $19.50 an hour working full time.

HUD fair market rent for all of Koochiching 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 $706 $13.58 $28,240
1 bedroom $775 $14.90 $31,000
2 bedrooms $1,014 $19.50 $40,560
3 bedrooms $1,238 $23.81 $49,520
4 bedrooms $1,481 $28.48 $59,240

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 International Falls

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). International Falls is in ZIP code 56649.

For 2 bedrooms it is $1,110: $96 more than the fair market rent for Koochiching County ($1,014).

  • 56649 $1,110$1,530

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for International Falls 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 International Falls

HUD lists 4 buildings with rents for lower incomes in International Falls. These are the largest.

  • West Falls Estates 1641 20th Ave, International Falls 56649 80 low-income homes · For older adults (218) 283-4967
  • Woodland Park 1200 Riverside Dr, International Falls 56649 80 low-income homes · Run by Hra of International Falls, Minnesota · Average payment: $421 a month (218) 283-4114
  • Falls South Apartments, A MN LP 202 22nd St E, International Falls 56649 36 low-income homes · For families (218) 283-4868
  • South Falls Apartments 2113 3rd Ave E, International Falls 56649 60 homes, 33 low-income · For families (218) 283-4868

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

Free help

Help to buy or rent in International Falls

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

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in International Falls

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

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

  • Arrowhead Economic Opportunity Agency, Inc.

    702 S 3rd Ave, Virginia · 84 miles away

    • Pre-purchase counseling
    • Homebuyer education workshops
    218-749-2912x6895

  • Kootasca Community Action, Inc.

    822 NE 5th Ave, Grand Rapids · 93 miles away

    • Pre-purchase counseling
    • Homebuyer education workshops
    218-999-0800x0828

  • Lutheran Social Service of Minnesota

    1330 E Superior St, Duluth · 138 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (218) 529-2227

All counseling agencies in Minnesota

Help in Spanish near International Falls

None 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 International Falls

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

All housing agencies in Minnesota Source: HUD

Cities

Nearby cities

The cities closest to International Falls, with the typical home value.

Everything about Koochiching County Housing in Minnesota

Neighboring counties

If Koochiching 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 International Falls.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about International Falls

Short answers with the numbers for International Falls and all of Koochiching 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 International Falls?

The typical home value in International Falls is $120,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Koochiching County it is $156,600.

How much does it cost to rent in International Falls?

Typical rent in International Falls is $645 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Koochiching County is $1,014.

What is the FHA loan limit in International Falls?

International Falls uses the FHA limit for all of Koochiching County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in International Falls?

The typical homeowner in International Falls pays $1,116 a year, according to the U.S. Census Bureau. That is 0.93% of the home’s value; in Koochiching County, the rate is 0.74%.

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

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