City · 5,128 residents · Stevens County, Minnesota
Morris, Minnesota
In Morris, a typical home is worth $209,600 and typical rent is $950 a month. Compared with all of Stevens County, typical household income is 11% lower and the share of households that own their home is 14 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $184,187 to $218,478.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Morris is in Stevens 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 Stevens County. See the county
What this place has that others do not, from public data, most unusual first.
1
Morris has the 5th lowest homeownership rate of the 152 cities in Minnesota with more than 5,000 people (50%).
2
Nearby, in Montevideo, the typical home value is $141,000: 33% less than in Morris ($209,600).
3
According to Zillow, in the 12 months to September 2026 the typical home value in Morris rose 6.1%; in Minnesota, it rose 2.3%.
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Morris
What homes there are in Morris, 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
Morris
Stevens County
Minnesota
United States
Kind of home: Morris and its comparisons
Measure
Morris
Stevens County
Minnesota
United States
Detached house
61%
73%
66%
61%
Attached house
Unreliable estimate
4%
7%
6%
Building of 2 to 4
Unreliable estimate
4%
4%
8%
Apartments (5 or more)
28%
17%
19%
19%
Mobile home
Unreliable estimate
2%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Morris, but it weighs less than in Stevens County: 61% against 73%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Morris
Stevens County
Minnesota
United States
Year built: Morris and its comparisons
Measure
Morris
Stevens County
Minnesota
United States
Before 1960
28%
35%
29%
26%
1960–1979
35%
30%
23%
24%
1980–1999
19%
17%
24%
25%
2000–2009
4%
8%
13%
14%
2010 or later
13%
10%
10%
11%
By age, homes in Morris look like those in Stevens County: the typical year built is 1973.
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–$200K30%
$200K–$300K26%
$300K–$500K22%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Morris and its comparisons
Measure
Morris
Under $100K
17%
$100K–$200K
30%
$200K–$300K
26%
$300K–$500K
22%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
At least 95% of owner-occupied homes in Morris are worth less than $500,000, below the FHA loan limit for Stevens County ($541,287).
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50018%
$500–$99934%
$1,000–$1,49939%
HUD fair market rent, 2 bedrooms: $1,027
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Morris and its comparisons
Measure
Morris
Under $500
18%
$500–$999
34%
$1,000–$1,499
39%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
About 54% of rented homes in Morris cost less than HUD's 2-bedroom fair market rent for Stevens County ($1,027); the rest cost more.
With a mortgage
$1,392 a month
Stevens County: $1,499 a month
Without a mortgage
$623 a month
Stevens County: $595 a month
Owners with a mortgage
56%
Stevens County: 52%
Owning costs less in Morris: with a mortgage, the typical cost is $1,392 a month; in Stevens County, $1,499. Without one, $623.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Morris+25%
Stevens County+27%
Minnesota+47%
United States+53%
Typical rent
Morris+25%
Stevens County+26%
Minnesota+31%
United States+33%
Typical household income
Morris+33%
Stevens County+25%
Minnesota+25%
United States+29%
Change since 2015–2019: Morris and its comparisons
Measure
Morris
Stevens County
Minnesota
United States
Typical home value
+25%
+27%
+47%
+53%
Typical rent
+25%
+26%
+31%
+33%
Typical household income
+33%
+25%
+25%
+29%
From 2015–2019 to 2020–2024, home values in Morris rose at about the same pace as in Stevens County: 25% against 27%.
The typical rent in Morris rose 25% since 2015–2019, about the same as in Stevens County (26%).
Income in Morris grew faster than housing: it rose 33%, while home values changed +25% and rent +25%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Morris and its comparisons
Measure
Morris
Stevens 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
Unreliable estimate
2.3%
3.4%
People per household
2.17
2.36
2.43
2.53
Drive alone
68%
71%
69%
69%
Carpool
13%
12%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
2%
3%
Walk or bike
8%
8%
3%
3%
Work from home
8%
8%
18%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Households in Morris are smaller: 2.17 people on average; in Stevens County, 2.36.
To get to work, 68% of workers in Morris drive alone; in Stevens County, 71%.
Do the math
What would you pay each month for a home in Morris?
A typical home is tight for the typical income
We start with a typical home in Morris, worth $209,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Morris, which is $67,727 a year. For that payment to be 28% of income, a household would need to earn about $74,428 a year.
The calculator's FHA and conventional loan limits are those of all of Stevens 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 Morris. 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 $7,336 (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
$1,737
at 7.18% · 30 years
Loan amount
$205,804
Total interest
$296,103
Paid off in
November 2056
Includes $3,540 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,580 a month
Tight
$1,580 to $2,032 a month
Your payment · 31%
Hard
more than $2,032 a month
Compared with the typical household income in Morris ($67,727 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,394
Property tax
$162
Home insurance
$87
FHA mortgage insurance (MIP)
$93
You need at least $7,336 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 $1,737; principal and interest $1,394.
The city and its county
Morris and Stevens County
Morris is in Stevens 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).
Morris
Map of Stevens County, Minnesota, with Morris marked. Around it, the neighboring counties.
Morris
Stevens County
Morris's own numbers
Typical home value
$209,600
Typical monthly rent
$950
Typical yearly household income
$67,727
Households that own their home
50%
Effective property tax rate
0.93%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Stevens County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,027
Price change over 5 years (FHFA)
+40%
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 Stevens County.
A typical home in Morris is worth $209,600: 3% above the county and 36% below Minnesota. With the typical household income in Morris ($67,727 a year), a typical home costs 3.1 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.
Morris3.1 years
Stevens2.7 years
Minnesota3.7 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Stevens County
According to FHFA’s house price index, home prices in Stevens County rose 52% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Stevens County.
Yearly change in FHFA’s price index in Stevens County, 2016 to 2025
2016: −2.5% −2.5% 2016
2017: +4.2% +4.2% 2017
2018: +1.8% +1.8% 2018
2019: +2.4% +2.4% 2019
2020: +2.9% +2.9% 2020
2021: +6.1% +6.1% 2021
2022: +18.3% +18.3% 2022
2023: −1.1% −1.1% 2023
2024: +7.3% +7.3% 2024
2025: +4.9% +4.9% 2025
Change in FHFA’s price index in Stevens County, Minnesota and the United States
Period
County
Minnesota
U.S.
Last year (2025)
+4.9%
+2.8%
+2.9%
5 years (2020–2025)
+40%
+37%
+47%
10 years (2015–2025)
+52%
+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
Morris next to Stevens 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
Morris$209,600
Stevens$202,800
Minnesota$329,300
United States$332,700
Typical monthly rent
Morris$950
Stevens$951
Minnesota$1,280
United States$1,413
Typical yearly household income
Morris$67,727
Stevens$75,733
Minnesota$89,062
United States$80,734
See the full table
Morris next to Stevens County and Minnesota
Measure
Morris
Stevens County
Minnesota
U.S.
Typical home value
$209,600 ▲3% above the county
$202,800
$329,300
$332,700
Typical monthly rent
$950
$951
$1,280
$1,413
Typical yearly household income
$67,727 ▼11% below the county
$75,733
$89,062
$80,734
Households that own their home
50% ▼14 points below the county
63%
72%
65%
Typical yearly property tax
$1,945 ▲19% above the county
$1,634
$3,357
$3,119
Effective property tax rate
0.93% ▲0.12 points above the county
0.81%
1.02%
0.94%
Renters with high rent for their income
47% ▲3 points above the county
45%
48%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Stevens 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 Morris
For a typical $209,600 home in Morris, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Morris's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,737a month
Least cash to close
Down payment
$7,336
Cash to close
$13,624
Rate
7.18%
Mortgage insurance
FHA MIP · $93
Conventional, 5% down$1,698a month
Down payment
$10,480
Cash to close
$16,768
Rate
7.18%
Mortgage insurance
PMI · $100
Conventional, 20% down, no PMI$1,386a month
Down payment
$41,920
Cash to close
$48,208
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,579a month
Down payment
$31,440
Cash to close
$37,728
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Morris
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,737
$7,336
$205,804
7.18%
FHA MIP · $93
$13,624
580
Conventional, 5% down
$1,698
$10,480
$199,120
7.18%
PMI · $100
$16,768
620*
Conventional, 20% down, no PMI
$1,386
$41,920
$167,680
7.18%
None
$48,208
620*
ITIN, 15% down (example)
$1,579
$31,440
$178,160
8.18%
None
$37,728
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 Morris is $950 a month: about the same as the county. In Morris, 47% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Stevens County, by unit size. To pay the 2-bedroom one ($1,027 a month) without spending more than 30% of your income, you would need to earn $19.75 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 Stevens County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$715
$13.75
$28,600
1 bedroom
$785
$15.10
$31,400
2 bedrooms
$1,027
$19.75
$41,080
3 bedrooms
$1,422
$27.35
$56,880
4 bedrooms
$1,717
$33.02
$68,680
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 Morris
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Morris is in ZIP code 56267.
For 2 bedrooms it is $1,040: $13 more than the fair market rent for Stevens County ($1,027).
Fair market rent by ZIP code and size in Morris, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
56267
$720
$800
$1,040
$1,440
$1,740
ZIP code2 bd3 bd
56267 $1,040$1,440
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Morris 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)
Grandview Apartments100 S Columbia Ave, Morris 5626760 homes, 59 low-income · Run by Stevens County Hra · Average payment: $332 a month · Average wait: 4 months(320) 208-6559
Crystal Lake Townhomes113 S Atlantic Ave, Morris 5626724 homes, 23 low-income · 2 bd: 12 · 3 bd: 12 · In service since 1998
Wildwood Apartments707 Iowa Ave, Morris 5626714 low-income homes · 1 bd: 1 · 2 bd: 9 · 3 bd: 4 · In service since 1995
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 Stevens 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 Morris or Stevens County. The ones below are statewide in Minnesota: they work in Morris 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 Morris or Stevens 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 Morris and all of Stevens 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 Morris?
The typical home value in Morris is $209,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Stevens County it is $202,800.
How much does it cost to rent in Morris?
Typical rent in Morris is $950 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Stevens County is $1,027.
What is the FHA loan limit in Morris?
Morris uses the FHA limit for all of Stevens 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 Morris?
The typical homeowner in Morris pays $1,945 a year, according to the U.S. Census Bureau. That is 0.93% of the home’s value; in Stevens County, the rate is 0.81%.
Where can I find free help to buy or rent in Morris?
We found no HUD-approved counseling agencies with an office in Stevens County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
