In Litchfield, a typical home is worth $187,600 and typical rent is $987 a month. Compared with all of Meeker County, typical household income is 27% lower, the typical home value is 25% lower, and the share of households that own their home is 19 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $212,512 to $260,691.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Litchfield is in Meeker 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 Meeker County. See the county
What this place has that others do not, from public data, most unusual first.
1
Litchfield has the 4th lowest typical household income of the 152 cities in Minnesota with more than 5,000 people ($54,875).
2
61% of households in Litchfield own their home, against 79% in Meeker County.
3
The typical home in Litchfield is worth $187,600,25% less than in Meeker County as a whole ($249,000).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Litchfield
What homes there are in Litchfield, 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
Litchfield
Meeker County
Minnesota
United States
Kind of home: Litchfield and its comparisons
Measure
Litchfield
Meeker County
Minnesota
United States
Detached house
64%
81%
66%
61%
Attached house
6%
3%
7%
6%
Building of 2 to 4
10%
4%
4%
8%
Apartments (5 or more)
17%
7%
19%
19%
Mobile home
Unreliable estimate
5%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Litchfield, 6 in 10 homes are single-family detached houses; in Meeker County, 8.
Year built
Before 19601960–19791980–19992000–20092010 or later
Litchfield
Meeker County
Minnesota
United States
Year built: Litchfield and its comparisons
Measure
Litchfield
Meeker County
Minnesota
United States
Before 1960
33%
33%
29%
26%
1960–1979
28%
25%
23%
24%
1980–1999
22%
22%
24%
25%
2000–2009
6%
13%
13%
14%
2010 or later
10%
7%
10%
11%
The typical year built in Litchfield is 1974, about the same as in Meeker County (1975).
There are fewer big homes in Litchfield than in Meeker County: 52% have 3 bedrooms or more, against 67%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K17%
$100K–$200K38%
$200K–$300K29%
$300K–$500K11%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Litchfield and its comparisons
Measure
Litchfield
Under $100K
17%
$100K–$200K
38%
$200K–$300K
29%
$300K–$500K
11%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
The FHA limit for Meeker County is high ($541,287): at least 96% of owner-occupied homes in Litchfield are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99942%
$1,000–$1,49941%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Litchfield and its comparisons
Measure
Litchfield
Under $500
Unreliable estimate
$500–$999
42%
$1,000–$1,499
41%
$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
$1,336 a month
Meeker County: $1,614 a month
Without a mortgage
$528 a month
Meeker County: $603 a month
Owners with a mortgage
55%
Meeker County: 57%
Owning costs less in Litchfield: with a mortgage, the typical cost is $1,336 a month; in Meeker County, $1,614. Without one, $528.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Litchfield+38%
Meeker County+46%
Minnesota+47%
United States+53%
Typical rent
Litchfield+32%
Meeker County+20%
Minnesota+31%
United States+33%
Typical household income
LitchfieldNo clear change
Meeker County+19%
Minnesota+25%
United States+29%
Change since 2015–2019: Litchfield and its comparisons
Measure
Litchfield
Meeker County
Minnesota
United States
Typical home value
+38%
+46%
+47%
+53%
Typical rent
+32%
+20%
+31%
+33%
Typical household income
No clear change
+19%
+25%
+29%
Homes in Litchfield gained value more slowly than in Meeker County: 38% since 2015–2019, against 46%.
The typical rent in Litchfield rose 32% over the same time; in Meeker County, it rose 20%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Litchfield and its comparisons
Measure
Litchfield
Meeker 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
1.2%
2.3%
3.4%
People per household
2.18
2.47
2.43
2.53
Drive alone
86%
81%
69%
69%
Carpool
9%
8%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
2%
3%
Walk or bike
Unreliable estimate
3%
3%
3%
Work from home
3%
8%
18%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 2.18 on average, against 2.47 in Meeker County.
To get to work, 86% of workers in Litchfield drive alone; in Meeker County, 81%.
Do the math
What would you pay each month for a home in Litchfield?
A typical home is tight for the typical income
We start with a typical home in Litchfield, worth $187,600, 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 Litchfield, which is $54,875 a year. For that payment to be 28% of income, a household would need to earn about $67,018 a year.
The calculator's FHA and conventional loan limits are those of all of Meeker 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 Litchfield. 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 $6,566 (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
$1,564
at 7.18% · 30 years
Loan amount
$184,202
Total interest
$265,024
Paid off in
November 2056
Includes $3,168 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,280 a month
Tight
$1,280 to $1,646 a month
Your payment · 34%
Hard
more than $1,646 a month
Compared with the typical household income in Litchfield ($54,875 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,248
Property tax
$155
Home insurance
$78
FHA mortgage insurance (MIP)
$83
You need at least $6,566 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 $1,564; principal and interest $1,248.
The city and its county
Litchfield and Meeker County
Litchfield is in Meeker 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).
Litchfield
Map of Meeker County, Minnesota, with Litchfield marked. Around it, the neighboring counties.
Litchfield
Meeker County
Other cities with a page
Litchfield's own numbers
Typical home value
$187,600
Typical monthly rent
$987
Typical yearly household income
$54,875
Households that own their home
61%
Effective property tax rate
0.99%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Meeker County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,089
Price change over 5 years (FHFA)
+53%
Homes in a high flood-risk zone
3%
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 Meeker County.
A typical home in Litchfield is worth $187,600: 25% below the county and 43% below Minnesota. With the typical household income in Litchfield ($54,875 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.
Litchfield3.4 years
Meeker3.3 years
Minnesota3.7 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Meeker County
According to FHFA’s house price index, home prices in Meeker County rose 92% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Meeker County.
Yearly change in FHFA’s price index in Meeker County, 2016 to 2025
2016: +4.5% +4.5% 2016
2017: +5.1% +5.1% 2017
2018: +5.4% +5.4% 2018
2019: +4.3% +4.3% 2019
2020: +4.3% +4.3% 2020
2021: +10.3% +10.3% 2021
2022: +14.8% +14.8% 2022
2023: +11.8% +11.8% 2023
2024: +2.3% +2.3% 2024
2025: +5.3% +5.3% 2025
Change in FHFA’s price index in Meeker County, Minnesota and the United States
Period
County
Minnesota
U.S.
Last year (2025)
+5.3%
+2.8%
+2.9%
5 years (2020–2025)
+53%
+37%
+47%
10 years (2015–2025)
+92%
+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
Litchfield next to Meeker 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
Litchfield$187,600
Meeker$249,000
Minnesota$329,300
United States$332,700
Typical monthly rent
Litchfield$987
Meeker$904
Minnesota$1,280
United States$1,413
Typical yearly household income
Litchfield$54,875
Meeker$75,446
Minnesota$89,062
United States$80,734
See the full table
Litchfield next to Meeker County and Minnesota
Measure
Litchfield
Meeker County
Minnesota
U.S.
Typical home value
$187,600 ▼25% below the county
$249,000
$329,300
$332,700
Typical monthly rent
$987 ▲9% above the county
$904
$1,280
$1,413
Typical yearly household income
$54,875 ▼27% below the county
$75,446
$89,062
$80,734
Households that own their home
61% ▼19 points below the county
79%
72%
65%
Typical yearly property tax
$1,864 ▼17% below the county
$2,243
$3,357
$3,119
Effective property tax rate
0.99% ▲0.09 points above the county
0.9%
1.02%
0.94%
Renters with high rent for their income
50% ▲4 points above the county
46%
48%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Meeker 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 Litchfield
For a typical $187,600 home in Litchfield, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Litchfield's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,564a month
Least cash to close
Down payment
$6,566
Cash to close
$12,194
Rate
7.18%
Mortgage insurance
FHA MIP · $83
Conventional, 5% down$1,529a month
Down payment
$9,380
Cash to close
$15,008
Rate
7.18%
Mortgage insurance
PMI · $89
Conventional, 20% down, no PMI$1,250a month
Down payment
$37,520
Cash to close
$43,148
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,423a month
Down payment
$28,140
Cash to close
$33,768
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Litchfield
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,564
$6,566
$184,202
7.18%
FHA MIP · $83
$12,194
580
Conventional, 5% down
$1,529
$9,380
$178,220
7.18%
PMI · $89
$15,008
620*
Conventional, 20% down, no PMI
$1,250
$37,520
$150,080
7.18%
None
$43,148
620*
ITIN, 15% down (example)
$1,423
$28,140
$159,460
8.18%
None
$33,768
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 Litchfield is $987 a month: 9% above the county. In Litchfield, 50% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Meeker County, by unit size. To pay the 2-bedroom one ($1,089 a month) without spending more than 30% of your income, you would need to earn $20.94 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 Meeker County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$758
$14.58
$30,320
1 bedroom
$954
$18.35
$38,160
2 bedrooms
$1,089
$20.94
$43,560
3 bedrooms
$1,490
$28.65
$59,600
4 bedrooms
$1,495
$28.75
$59,800
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 Litchfield
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Litchfield is in ZIP code 55355.
For 2 bedrooms it is $1,150: $61 more than the fair market rent for Meeker County ($1,089).
Fair market rent by ZIP code and size in Litchfield, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
55355
$800
$1,010
$1,150
$1,570
$1,580
ZIP code2 bd3 bd
55355 $1,150$1,570
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Litchfield 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 4 buildings with rents for lower incomes in Litchfield. These are the largest.
Lincoln Apartments122 W 4th St, Litchfield 5535561 homes, 60 low-income · Run by Hra of Litchfield, Minnesota · Average payment: $405 a month · Average wait: 7 months(320) 693-2104
GROVELAND ESTATES / Edgewood Townhomes901 E 5th St, Litchfield 5535530 low-income homes · For families(320) 693-7822
Terraceview TownhomesMultiple Building Addresses, Litchfield 5535522 homes, 21 low-income · 2 bd: 4 · 3 bd: 18 · In service since 1998
GLORIA DEI MANOR / Augustana Luth Hms218 N Holcombe Ave, Litchfield 5535562 homes, 6 low-income · For older adults(320) 693-2430
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 Meeker County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Litchfield or Meeker County. The ones below are statewide in Minnesota: they work in Litchfield 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).
No legal help resource on our list is for Litchfield or Meeker 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 Litchfield and all of Meeker 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 Litchfield?
The typical home value in Litchfield is $187,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Meeker County it is $249,000.
How much does it cost to rent in Litchfield?
Typical rent in Litchfield is $987 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Meeker County is $1,089.
What is the FHA loan limit in Litchfield?
Litchfield uses the FHA limit for all of Meeker 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 Litchfield?
The typical homeowner in Litchfield pays $1,864 a year, according to the U.S. Census Bureau. That is 0.99% of the home’s value; in Meeker County, the rate is 0.9%.
Where can I find free help to buy or rent in Litchfield?
We found no HUD-approved counseling agencies with an office in Meeker County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
