The median home in Hoyt Lakes, Minnesota is valued at $115,895, up 2.4% year over year. Hoyt Lakes is part of the Duluth, MN-WI metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$115,895

+2.4%

Prices rising — worse for buyers.

Affordability

Enter your income for Hoyt Lakes.

Income (annual)

Down Payment

$23,179 on $115,895

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

Affordable13.5% of income

Under the 28% guideline.

PITI$844

P/I13.5%

Afford$240K

Room+$124K

P&I $586Tax $108Ins $150

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 Hoyt Lakes 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 Duluth, MN-WI analysis

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

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Hoyt Lakes, MN