The median home in Two Harbors, Minnesota is valued at $284,447, up 3.8% year over year. Two Harbors is part of the Duluth, MN-WI metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Duluth, MN-WI stress score, crash risk, and 12-month forecast →

Home Value$284,447

+3.8%

AFFORDABILITY

Enter your income for Two Harbors.

Income (annual)

Down Payment

$56,889 on $284,447

Stretch — 29.7% of income

Above 28% but manageable with cuts.

PITI$1,854

P/I29.7%

Afford$268K

Gap-$16K

P&I $1,438Tax $265Ins $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 Two Harbors with other housing markets across Minnesota.

Minnetonka Beach$2220K Woodland$1619K Greenwood$1602K Sunfish Lake$1156K Orono$1084K Medicine Lake$1082K Tonka Bay$1059K Deephaven$1018K

Full Duluth, MN-WI analysis

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

View Duluth, MN-WI metro →

TWO HARBORS, MN