The median home in Owatonna, Minnesota is valued at $285,304, up 3.0% year over year. Typical monthly rent is $1,151, producing a price-to-rent ratio of 20.7x — well above the national average of 18x. Owatonna is part of the Owatonna, MN metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.
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Home Value$285,304
+3.0%
Rent$1,151/mo
AFFORDABILITYRenting $708/mo cheaper ($1,151 rent)6.50% 30yr, 20% down, county tax + MN ins. 28% per HUD.
Enter your income for Owatonna.
$57,061 on $285,304
Stretch — 29.7% of income
Above 28% but manageable with cuts.
PITI$1,859
P/I29.7%
Afford$269K
Gap-$17K
P&I $1,443Tax $266Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
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Full Owatonna, MN analysis
Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Owatonna, MN metro.
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