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City · 19,355 residents · Washington County, Minnesota

Stillwater , Minnesota

In Stillwater, a typical home is worth $414,200 and typical rent is $1,622 a month. Compared with all of Washington County, typical household income is 8% lower and typical rent is 5% lower.

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  • Typical home value

    $414,200

    About the same as the county

    26% above Minnesota

    • Stillwater
    • Washington
    • Minnesota

  • Typical rent

    $1,622a month

    5% below the county

    27% above Minnesota

    • Stillwater
    • Washington
    • Minnesota

  • Typical household income

    $105,853a year

    8% below the county

    19% above Minnesota

    • Stillwater
    • Washington
    • Minnesota

  • Households that own their home

    77%

    5 points below the county

    5 points above Minnesota

    • Stillwater
    • Washington
    • Minnesota

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

Market now, with Zillow data

Zillow data
Typical home value
$454,039
4% more than 12 months ago
Typical rent
$2,138 a month

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

Stillwater is in Washington 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 Washington County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Stillwater apart

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

  1. Nearby, in North St. Paul, the typical home value is $298,500: 28% less than in Stillwater ($414,200).

  2. Nearby, in North St. Paul, the typical rent is $1,352: 17% less than in Stillwater ($1,622).

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

The homes here

Housing in Stillwater

What homes there are in Stillwater, 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 houses are the majority in Stillwater (64%), but less so than in Washington County (67%).

Year built

The typical home in Stillwater was built in 1980, 12 years before the typical one in Washington County.

There are fewer big homes in Stillwater than in Washington County: 66% have 3 bedrooms or more, against 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

$2,148 a month

Washington County: $2,275 a month

Without a mortgage

$784 a month

Washington County: $809 a month

Owners with a mortgage

69%

Washington County: 69%

In Stillwater, 69% of owners have a mortgage, and their typical cost is $2,148 a month, against $2,275 in Washington County. Without one it drops to $784.

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 Stillwater gained value more slowly than in Washington County: 42% since 2015–2019, against 46%.

The typical rent in Stillwater rose 60% over the same time; in Washington County, it rose 31%.

Housing prices ran ahead of income in Stillwater: typical income rose 16%, against +42% for home values and +60% for rent.

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

MeasureStillwaterWashington CountyMinnesotaUnited States
Rental vacancy Unreliable estimate5.3%5.3%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.6%0.9%
More than one person per room Unreliable estimate1.5%2.3%3.4%
People per household 2.352.582.432.53
Drive alone 68%66%69%69%
Carpool 7%8%8%9%
Public transit Unreliable estimate1%2%3%
Walk or bike Unreliable estimate1%3%3%
Work from home 22%24%18%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Stillwater has 2.35 people, fewer than in Washington County (2.58).

To get to work, 68% of workers in Stillwater drive alone; in Washington County, 66%.

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 Stillwater?

A typical home costs more than the typical income allows

We start with a typical home in Stillwater, worth $414,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in Stillwater, which is $105,853 a year. For that payment to be 28% of income, a household would need to earn about $147,673 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Stillwater. 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 $14,497 (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

$3,446

at 7.18% · 30 years

Loan amount
$406,698
Total interest
$585,143
Paid off in
November 2056

Includes $6,995 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,470 a month

  • Tight

    $2,470 to $3,176 a month

  • Hard

    more than $3,176 a month

    Your payment · 39%

Compared with the typical household income in Stillwater ($105,853 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,446
Principal & interest$2,755
Property tax$335
Home insurance$173
FHA mortgage insurance (MIP)$183

You need at least $14,497 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

Stillwater and Washington County

Stillwater is in Washington 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).

Stillwater's own numbers

Typical home value
$414,200
Typical monthly rent
$1,622
Typical yearly household income
$105,853
Households that own their home
77%
Effective property tax rate
0.97%

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

Numbers for all of Washington 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)
+35%
Homes in a high flood-risk zone
0.6%

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 Washington County.

Everything about Washington County

Buying

Buying a home in Stillwater

A typical home in Stillwater is worth $414,200: about the same as the county and 26% above Minnesota. With the typical household income in Stillwater ($105,853 a year), a typical home costs 3.9 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.

  • Stillwater 3.9 years
  • Washington 3.7 years
  • Minnesota 3.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Washington County

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

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

Period County Minnesota U.S.
Last year (2025) +1.8% +2.8% +2.9%
5 years (2020–2025) +35% +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

Stillwater next to Washington 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
  • Stillwater $414,200
  • Washington $422,000
  • Minnesota $329,300
  • United States $332,700
Typical monthly rent
  • Stillwater $1,622
  • Washington $1,710
  • Minnesota $1,280
  • United States $1,413
Typical yearly household income
  • Stillwater $105,853
  • Washington $115,345
  • Minnesota $89,062
  • United States $80,734
See the full table
Stillwater next to Washington County and Minnesota
Measure Stillwater Washington County Minnesota U.S.
Typical home value $414,200 $422,000 $329,300 $332,700
Typical monthly rent $1,622 $1,710 $1,280 $1,413
Typical yearly household income $105,853 $115,345 $89,062 $80,734
Households that own their home 77% 81% 72% 65%
Typical yearly property tax $4,026 $4,164 $3,357 $3,119
Effective property tax rate 0.97% 0.99% 1.02% 0.94%
Renters with high rent for their income 49% 51% 48% 51%

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

For a typical $414,200 home in Stillwater, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Stillwater's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,446a month

    Least cash to close
    Down payment
    $14,497
    Cash to close
    $26,923
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $183

  • Conventional, 5% down $3,370a month

    Down payment
    $20,710
    Cash to close
    $33,136
    Rate
    7.18%
    Mortgage insurance
    PMI · $197

  • Conventional, 20% down, no PMI $2,752a month

    Down payment
    $82,840
    Cash to close
    $95,266
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,135a month

    Down payment
    $62,130
    Cash to close
    $74,556
    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 Stillwater and for Washington County.

Property tax

Effective rate in Stillwater

0.97%of the home’s value each year

$4,026 a year for the typical owner in Stillwater.

  • Stillwater 0.97%
  • Washington 0.99%
  • 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 Washington County

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

Homes in the high-risk zone
0.6%
580
Of those, with NFIP insurance
22%
County Minnesota U.S.
Homes in the high-risk zone 0.6% 0.7% 3.5%
Of those, with NFIP insurance 22% 17% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Stillwater

Typical rent in Stillwater is $1,622 a month: 5% below the county. In Stillwater, 49% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Washington 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 Washington 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 Stillwater

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Stillwater is in ZIP code 55082.

For 2 bedrooms it is $1,700: $34 less than the fair market rent for Washington County ($1,734).

  • 55082 $1,700$2,220

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

HUD lists 12 buildings with rents for lower incomes in Stillwater. These are the largest.

  • Rivertown Commons 212 2nd St N, Stillwater 55082 96 low-income homes · 1 bd: 90 · 2 bd: 6 · In service since 2008 · For older adults (651) 439-9535
  • Orleans Homes One (fka Cottages of Stillwater I) Multiple Building Addresses, Stillwater 55082 124 homes, 93 low-income · 1 bd: 71 · 2 bd: 53 · In service since 2007
  • Curve Crest Villas 2225 Orleans St W, Stillwater 55082 90 homes, 69 low-income · 1 bd: 36 · 2 bd: 30 · 3 bd: 24 · In service since 2004 · For families
  • Green Twig Villas 13865 Upper 58th St N, Stillwater 55082 62 low-income homes · 1 bd: 35 · 2 bd: 27 · In service since 2016 · For older adults, people with disabilities, people experiencing homelessness
  • Charter Oak Townhomes Multiple Building Addresses, Stillwater 55082 60 low-income homes · 1 bd: 3 · 2 bd: 35 · 3 bd: 19 · 4 bd: 3 · In service since 2012 · For people experiencing homelessness

See all 56 buildings in Washington County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Stillwater

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 Washington County; none says it serves in Spanish.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Stillwater

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

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

  • Washington County Community Development Agency

    7645 Currell Blvd, Woodbury · 11 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (651) 202-2822

  • Minnesota Homeownership Center

    1000 Payne Avenue, Saint Paul · 13 miles away

    (651) 659-9336

  • Comunidades Latinas Unidas en Servicio-Clues

    797 7th St E, Saint Paul · 13 miles away · Spanish

    • Mortgage delinquency workshops
    • Budget and financial counseling
    • and 3 more
    (651) 379-4200

Every agency in Washington County All counseling agencies in Minnesota

Help in Spanish near Stillwater

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 Stillwater

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

  • Washington County Cda Public housing and Section 8 vouchers (651) 458-0936

All housing agencies in Minnesota Source: HUD

Cities

Other cities in Washington County

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

Everything about Washington County Housing in Minnesota

Nearby cities

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

Neighboring counties

If Washington 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 Stillwater.

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

Questions

Housing questions about Stillwater

Short answers with the numbers for Stillwater and all of Washington 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 Stillwater?

The typical home value in Stillwater is $414,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Washington County it is $422,000.

How much does it cost to rent in Stillwater?

Typical rent in Stillwater is $1,622 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Washington County is $1,734.

What is the FHA loan limit in Stillwater?

Stillwater uses the FHA limit for all of Washington 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 Stillwater?

The typical homeowner in Stillwater pays $4,026 a year, according to the U.S. Census Bureau. That is 0.97% of the home’s value; in Washington County, the rate is 0.99%.

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

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