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City · 13,780 residents · Nobles County, Minnesota

Worthington , Minnesota

In Worthington, a typical home is worth $210,300 and typical rent is $938 a month. Compared with all of Nobles County, the typical home value is 7% higher, typical household income is 7% lower, and the share of households that own their home is 7 points lower.

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  • Typical home value

    $210,300

    7% above the county

    36% below Minnesota

    • Worthington
    • Nobles
    • Minnesota

  • Typical rent

    $938a month

    5% above the county

    27% below Minnesota

    • Worthington
    • Nobles
    • Minnesota

  • Typical household income

    $61,797a year

    7% below the county

    31% below Minnesota

    • Worthington
    • Nobles
    • Minnesota

  • Households that own their home

    67%

    7 points below the county

    5 points below Minnesota

    • Worthington
    • Nobles
    • Minnesota

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

Market now, with Zillow data

Zillow data
Typical home value
$252,926
5.7% more than 12 months ago

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

Worthington is in Nobles 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 Nobles County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Worthington apart

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

  1. Nearby, in Redwood Falls, the typical home value is $162,100: 23% less than in Worthington ($210,300).

  2. Nearby, in Fairmont, the typical rent is $738: 21% less than in Worthington ($938).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Worthington rose 5.7%; in Minnesota, it rose 2.3%.

  4. 67% of households in Worthington own their home, against 74% in Nobles County.

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

The homes here

Housing in Worthington

What homes there are in Worthington, 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 Worthington, 7 in 10 homes are single-family detached houses; in Nobles County, 8.

Year built

Homes in Worthington are newer: the typical year built is 1972; in Nobles County, 1967.

Homes in Worthington are smaller: 55% have 3 bedrooms or more; in Nobles County, 63%.

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

The FHA limit for Nobles County is high ($541,287): at least 96% of owner-occupied homes in Worthington are worth less than $500,000.

Monthly rent with utilities

Measured against HUD's 2-bedroom fair market rent ($1,076), about 60% of rented homes in Worthington cost less.

With a mortgage

$1,438 a month

Nobles County: $1,456 a month

Without a mortgage

$596 a month

Nobles County: $590 a month

Owners with a mortgage

46%

Nobles County: 46%

The typical cost for an owner with a mortgage in Worthington is $1,438 a month, near the figure in Nobles County ($1,456).

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

Since 2015–2019, homes in Worthington gained value faster than in Nobles County: 59% against 55%.

The typical rent in Worthington rose 27% over the same time; in Nobles County, it rose 23%.

The typical household income in Worthington rose 27% over that time; home values changed +59% and rent +27%.

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

MeasureWorthingtonNobles CountyMinnesotaUnited States
Rental vacancy Unreliable estimateUnreliable estimate5.3%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.6%0.9%
More than one person per room 5.6%4.1%2.3%3.4%
People per household 2.922.802.432.53
Drive alone 72%73%69%69%
Carpool 18%14%8%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike 3%4%3%3%
Work from home 4%6%18%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

More than one person per room: that is how 5.6% of households in Worthington live, more than in Nobles County (4.1%).

A household in Worthington has 2.92 people on average, about the same as in Nobles County (2.80).

More people carpool to work in Worthington than in Nobles County: 18% against 14%.

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 Worthington?

A typical home is tight for the typical income

We start with a typical home in Worthington, worth $210,300, 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 Worthington, which is $61,797 a year. For that payment to be 28% of income, a household would need to earn about $75,578 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Worthington. 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 $7,361 (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

$1,764

at 7.18% · 30 years

Loan amount
$206,490
Total interest
$297,091
Paid off in
November 2056

Includes $3,551 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,442 a month

  • Tight

    $1,442 to $1,854 a month

    Your payment · 34%

  • Hard

    more than $1,854 a month

Compared with the typical household income in Worthington ($61,797 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,764
Principal & interest$1,399
Property tax$184
Home insurance$88
FHA mortgage insurance (MIP)$93

You need at least $7,361 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

Worthington and Nobles County

Worthington is in Nobles 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).

Worthington's own numbers

Typical home value
$210,300
Typical monthly rent
$938
Typical yearly household income
$61,797
Households that own their home
67%
Effective property tax rate
1.05%

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

Numbers for all of Nobles County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,076
Price change over 5 years (FHFA)
+58%
Homes in a high flood-risk zone
0.9%

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 Nobles County.

Everything about Nobles County

Buying

Buying a home in Worthington

A typical home in Worthington is worth $210,300: 7% above the county and 36% below Minnesota. With the typical household income in Worthington ($61,797 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.

  • Worthington 3.4 years
  • Nobles 3.0 years
  • Minnesota 3.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Nobles County

According to FHFA’s house price index, home prices in Nobles County rose 97% in the 10 years through 2025.

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

Period County Minnesota U.S.
Last year (2025) +1.6% +2.8% +2.9%
5 years (2020–2025) +58% +37% +47%
10 years (2015–2025) +97% +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

Worthington next to Nobles 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
  • Worthington $210,300
  • Nobles $197,200
  • Minnesota $329,300
  • United States $332,700
Typical monthly rent
  • Worthington $938
  • Nobles $896
  • Minnesota $1,280
  • United States $1,413
Typical yearly household income
  • Worthington $61,797
  • Nobles $66,101
  • Minnesota $89,062
  • United States $80,734
See the full table
Worthington next to Nobles County and Minnesota
Measure Worthington Nobles County Minnesota U.S.
Typical home value $210,300 $197,200 $329,300 $332,700
Typical monthly rent $938 $896 $1,280 $1,413
Typical yearly household income $61,797 $66,101 $89,062 $80,734
Households that own their home 67% 74% 72% 65%
Typical yearly property tax $2,209 $1,956 $3,357 $3,119
Effective property tax rate 1.05% 0.99% 1.02% 0.94%
Renters with high rent for their income 46% 42% 48% 51%

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

For a typical $210,300 home in Worthington, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Worthington's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,763a month

    Least cash to close
    Down payment
    $7,361
    Cash to close
    $13,670
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $93

  • Conventional, 5% down $1,725a month

    Down payment
    $10,515
    Cash to close
    $16,824
    Rate
    7.18%
    Mortgage insurance
    PMI · $100

  • Conventional, 20% down, no PMI $1,411a month

    Down payment
    $42,060
    Cash to close
    $48,369
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,606a month

    Down payment
    $31,545
    Cash to close
    $37,854
    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 Worthington and for Nobles County.

Property tax

Effective rate in Worthington

1.05%of the home’s value each year

$2,209 a year for the typical owner in Worthington.

  • Worthington 1.05%
  • Nobles 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 Nobles County

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

Homes in the high-risk zone
0.9%
70
Of those, with NFIP insurance
24%
County Minnesota U.S.
Homes in the high-risk zone 0.9% 0.7% 3.5%
Of those, with NFIP insurance 24% 17% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Worthington

Typical rent in Worthington is $938 a month: 5% above the county. In Worthington, 46% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Nobles County, by unit size. To pay the 2-bedroom one ($1,076 a month) without spending more than 30% of your income, you would need to earn $20.69 an hour working full time.

HUD fair market rent for all of Nobles 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 $749 $14.40 $29,960
1 bedroom $823 $15.83 $32,920
2 bedrooms $1,076 $20.69 $43,040
3 bedrooms $1,426 $27.42 $57,040
4 bedrooms $1,508 $29.00 $60,320

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 Worthington

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Worthington is in ZIP code 56187.

For 2 bedrooms it is $1,090: $14 more than the fair market rent for Nobles County ($1,076).

  • 56187 $1,090$1,450

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

HUD lists 10 buildings with rents for lower incomes in Worthington. These are the largest.

  • Atrium Highrise 819 10th St, Worthington 56187 136 low-income homes · Run by HRA of WORTHINGTON, MINNESOTA · Average payment: $435 a month · Average wait: 38 months (507) 376-3655
  • Okabena Tower 212 12th St, Worthington 56187 60 low-income homes · For older adults (507) 372-7595
  • Viking Terrace Multiple Building Addresses, Worthington 56187 60 homes, 51 low-income · 1 bd: 20 · 2 bd: 30 · 3 bd: 10 · In service since 2007
  • Viking Terrace 1440 Burlington Ave, Worthington 56187 60 homes, 51 low-income · For families (507) 376-6974
  • Grand Terrace Apartments 1585 Grand Ave, Worthington 56187 48 homes, 47 low-income · 1 bd: 8 · 2 bd: 29 · 3 bd: 11 · In service since 2017 · For families, people experiencing homelessness

See all 11 buildings in Nobles County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Worthington

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

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Worthington

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

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

  • Southwest Minnesota Housing Partnership

    2401 Broadway Ave, Slayton · 26 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 4 more
    (507) 836-1608

  • Lutheran Social Service of Minnesota

    710 South 2nd Street, Mankato · 87 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (218) 529-2227

  • Southwest Minnesota Housing Partnership Mankato Branch

    140 Homestead Rd, Mankato · 88 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (507) 836-1605

All counseling agencies in Minnesota

Help in Spanish near Worthington

2 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 Worthington

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

  • HRA of WORTHINGTON, MINNESOTA Public housing and Section 8 vouchers (507) 376-3655

All housing agencies in Minnesota Source: HUD

Cities

Nearby cities

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

Everything about Nobles County Housing in Minnesota

Neighboring counties

If Nobles 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 Worthington.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Worthington

Short answers with the numbers for Worthington and all of Nobles 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 Worthington?

The typical home value in Worthington is $210,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Nobles County it is $197,200.

How much does it cost to rent in Worthington?

Typical rent in Worthington is $938 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Nobles County is $1,076.

What is the FHA loan limit in Worthington?

Worthington uses the FHA limit for all of Nobles 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 Worthington?

The typical homeowner in Worthington pays $2,209 a year, according to the U.S. Census Bureau. That is 1.05% of the home’s value; in Nobles County, the rate is 0.99%.

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

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