The median home in Otsego, Minnesota is valued at $414,334, up 0.5% year over year. Otsego 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.
See the full metro analysis: Minneapolis-St. Paul-Bloomington, MN-WI stress score, crash risk, and 12-month forecast →
Home Value$414,334
+0.5%
AFFORDABILITY6.50% 30yr, 20% down, county tax + MN ins. 28% per HUD.
Enter your income for Otsego.
$82,867 on $414,334
Out of reach — 42.1% of income
Need $112,800/yr to afford.
PITI$2,632
P/I42.1%
Afford$275K
Gap-$139K
P&I $2,095Tax $387Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in Minnesota
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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 →