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City · 9,130 residents · Anoka County, Minnesota

Oak Grove , Minnesota

In Oak Grove, a typical home is worth $423,300 and typical rent is $2,042 a month. Compared with all of Anoka County, typical rent is 39% higher, the typical home value is 22% higher, and the share of households that own their home is 14 points higher.

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  • Typical home value

    $423,300

    22% above the county

    29% above Minnesota

    • Oak Grove
    • Anoka
    • Minnesota

  • Typical rent

    $2,042a month

    39% above the county

    60% above Minnesota

    • Oak Grove
    • Anoka
    • Minnesota

  • Typical household income

    $117,696a year

    16% above the county

    32% above Minnesota

    • Oak Grove
    • Anoka
    • Minnesota

  • Households that own their home

    94%

    14 points above the county

    22 points above Minnesota

    • Oak Grove
    • Anoka
    • Minnesota

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

Market now, with Zillow data

Zillow data
Typical home value
$472,490
1.5% more than 12 months ago

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

Oak Grove is in Anoka 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 Anoka County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Oak Grove apart

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

  1. Oak Grove has the 5th highest homeownership rate of the 152 cities in Minnesota with more than 5,000 people (94%).

  2. Nearby, in Ham Lake, the typical rent is $1,173: 43% less than in Oak Grove ($2,042).

  3. Oak Grove has the 6th highest typical rent of the 148 cities in Minnesota with more than 5,000 people ($2,042).

  4. Nearby, in St. Francis, the typical home value is $327,600: 23% less than in Oak Grove ($423,300).

  5. The typical home in Oak Grove is worth $423,300, 22% more than in Anoka County as a whole ($346,500).

  6. The typical household income in Oak Grove is $117,696, 16% more than in Anoka County as a whole ($101,869).

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

The homes here

Housing in Oak Grove

What homes there are in Oak Grove, 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 Oak Grove, 10 in 10 homes are single-family detached houses; in Anoka County, 7.

Year built

By age, homes in Oak Grove look like those in Anoka County: the typical year built is 1989.

In Oak Grove, 92% of homes have 3 bedrooms or more, more than in Anoka County (71%).

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

$2,213 a month

Anoka County: $1,949 a month

Without a mortgage

$652 a month

Anoka County: $686 a month

Owners with a mortgage

70%

Anoka County: 69%

In Oak Grove, 70% of owners have a mortgage, and their typical cost is $2,213 a month, against $1,949 in Anoka County. Without one it drops to $652.

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

The typical home value in Oak Grove rose 48% since 2015–2019, about the same as in Anoka County (49%).

Rent in Oak Grove 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

MeasureOak GroveAnoka CountyMinnesotaUnited States
Rental vacancy Unreliable estimate3.9%5.3%5.5%
Homeowner vacancy Unreliable estimate0.5%0.6%0.9%
More than one person per room Unreliable estimate2.8%2.3%3.4%
People per household 2.972.672.432.53
Drive alone 80%73%69%69%
Carpool 7%7%8%9%
Public transit Unreliable estimate1%2%3%
Walk or bike Unreliable estimate1%3%3%
Work from home 13%17%18%15%
Other means Unreliable estimate1%1%2%
Typical commute 30 to 39 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.97 on average, against 2.67 in Anoka County.

The car rules in Oak Grove: 80% of workers drive to work alone, and the typical trip takes 30 to 39 minutes.

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 Oak Grove?

A typical home is tight for the typical income

We start with a typical home in Oak Grove, worth $423,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Oak Grove, which is $117,696 a year. For that payment to be 28% of income, a household would need to earn about $146,987 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Oak Grove. 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 $14,816 (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

$3,430

at 7.18% · 30 years

Loan amount
$415,632
Total interest
$597,998
Paid off in
November 2056

Includes $7,148 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,746 a month

  • Tight

    $2,746 to $3,531 a month

    Your payment · 35%

  • Hard

    more than $3,531 a month

Compared with the typical household income in Oak Grove ($117,696 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,430
Principal & interest$2,816
Property tax$250
Home insurance$176
FHA mortgage insurance (MIP)$187

You need at least $14,816 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

Oak Grove and Anoka County

Oak Grove is in Anoka 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).

Oak Grove's own numbers

Typical home value
$423,300
Typical monthly rent
$2,042
Typical yearly household income
$117,696
Households that own their home
94%
Effective property tax rate
0.71%

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

Numbers for all of Anoka 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)
+36%
Homes in a high flood-risk zone
1.5%

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 Anoka County.

Everything about Anoka County

Buying

Buying a home in Oak Grove

A typical home in Oak Grove is worth $423,300: 22% above the county and 29% above Minnesota. With the typical household income in Oak Grove ($117,696 a year), a typical home costs 3.6 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.

  • Oak Grove 3.6 years
  • Anoka 3.4 years
  • Minnesota 3.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Anoka County

According to FHFA’s house price index, home prices in Anoka County rose 78% in the 10 years through 2025.

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

Period County Minnesota U.S.
Last year (2025) +2.4% +2.8% +2.9%
5 years (2020–2025) +36% +37% +47%
10 years (2015–2025) +78% +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

Oak Grove next to Anoka 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
  • Oak Grove $423,300
  • Anoka $346,500
  • Minnesota $329,300
  • United States $332,700
Typical monthly rent
  • Oak Grove $2,042
  • Anoka $1,464
  • Minnesota $1,280
  • United States $1,413
Typical yearly household income
  • Oak Grove $117,696
  • Anoka $101,869
  • Minnesota $89,062
  • United States $80,734
See the full table
Oak Grove next to Anoka County and Minnesota
Measure Oak Grove Anoka County Minnesota U.S.
Typical home value $423,300 $346,500 $329,300 $332,700
Typical monthly rent $2,042 $1,464 $1,280 $1,413
Typical yearly household income $117,696 $101,869 $89,062 $80,734
Households that own their home 94% 80% 72% 65%
Typical yearly property tax $3,003 $3,271 $3,357 $3,119
Effective property tax rate 0.71% 0.94% 1.02% 0.94%
Renters with high rent for their income 42% 51% 48% 51%

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

For a typical $423,300 home in Oak Grove, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Oak Grove's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,430a month

    Least cash to close
    Down payment
    $14,816
    Cash to close
    $27,515
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $187

  • Conventional, 5% down $3,352a month

    Down payment
    $21,165
    Cash to close
    $33,864
    Rate
    7.18%
    Mortgage insurance
    PMI · $201

  • Conventional, 20% down, no PMI $2,721a month

    Down payment
    $84,660
    Cash to close
    $97,359
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,112a month

    Down payment
    $63,495
    Cash to close
    $76,194
    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 Oak Grove and for Anoka County.

Property tax

Effective rate in Oak Grove

0.71%of the home’s value each year

$3,003 a year for the typical owner in Oak Grove.

  • Oak Grove 0.71%
  • Anoka 0.94%
  • 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 Anoka County

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

Homes in the high-risk zone
1.5%
1,891
Of those, with NFIP insurance
7.4%
County Minnesota U.S.
Homes in the high-risk zone 1.5% 0.7% 3.5%
Of those, with NFIP insurance 7.4% 17% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Oak Grove

Typical rent in Oak Grove is $2,042 a month: 39% above the county. In Oak Grove, 42% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Anoka 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 Anoka 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 Oak Grove

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Oak Grove has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,690 in 55303 to $2,180 in 55011.

1 of the 2 is above the fair market rent for Anoka County ($1,734).

  • 55011 $2,180$2,850
  • 55303 $1,690$2,210

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Oak Grove 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?

Free help

Help to buy or rent in Oak Grove

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 is 1 HUD-approved agency with an office in Anoka County; none says it serves in Spanish.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Oak Grove

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

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

  • Anoka County Community Action Program, Inc

    1201 89th Ave NE Ste 345, Blaine · 16 miles away

    • Pre-purchase counseling
    • Homebuyer education workshops
    763-783-4747x4851

  • Community Action Partnership of Hennepin County

    7101 Northland Cir N, Brooklyn Park · 19 miles away

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

  • NSC (naca Counseling Subsidiary) - Minneapolis, MN

    6300 Shingle Creek Pkwy Ste 145, Brooklyn Center · 19 miles away · Spanish

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

Every agency in Anoka County All counseling agencies in Minnesota

Help in Spanish near Oak Grove

1 of the 3 agencies on this list says it serves 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 Oak Grove

HUD lists no housing authority with an office in Anoka County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Minnesota Source: HUD

Cities

Other cities in Anoka County

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

Everything about Anoka County Housing in Minnesota

Nearby cities

The cities closest to Oak Grove, with the typical home value.

Neighboring counties

If Anoka 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 Oak Grove.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Oak Grove

Short answers with the numbers for Oak Grove and all of Anoka 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 Oak Grove?

The typical home value in Oak Grove is $423,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Anoka County it is $346,500.

How much does it cost to rent in Oak Grove?

Typical rent in Oak Grove is $2,042 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Anoka County is $1,734.

What is the FHA loan limit in Oak Grove?

Oak Grove uses the FHA limit for all of Anoka 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 Oak Grove?

The typical homeowner in Oak Grove pays $3,003 a year, according to the U.S. Census Bureau. That is 0.71% of the home’s value; in Anoka County, the rate is 0.94%.

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

There is 1 HUD-approved counseling agency with an office in Anoka County. 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).