The median home in Cottage Grove, Minnesota is valued at $384,436, up 1.2% year over year. Typical monthly rent is $1,762, producing a price-to-rent ratio of 18.2x — near the national average of 18x. Cottage Grove is part of the Minneapolis-St. Paul-Bloomington, MN-WI metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$384,436

+1.2%

Rent$1,762/mo

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$76,887 on $384,436

Example: $75,000 household income. Change it above to see your own.

Out of reach39.2% of income

Need $105,129/yr to afford.

PITI$2,453

P/I39.2%

Afford$274K

Gap-$110K

P&I $1,944Tax $359Ins $150

Renting $691/mo cheaper ($1,762 rent)6.50% 30yr, 20% down, county tax + MN ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Minnesota

Compare Cottage Grove with other housing markets across Minnesota.

Minnetonka Beach$2.22M Woodland$1.62M Greenwood$1.6M Sunfish Lake$1.16M Orono$1.08M Medicine Lake$1.08M Tonka Bay$1.06M Deephaven$1.02M

Full Minneapolis-St. Paul-Bloomington, MN-WI analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Minneapolis-St. Paul-Bloomington, MN-WI metro.

View Minneapolis-St. Paul-Bloomington, MN-WI metro

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Cottage Grove, MN