Top 10 Most Affordable Towns to Live in the Twin Cities Area (2025 Edition)

Looking to buy a home in the Twin Cities but worried about skyrocketing prices? You’re not alone. Fortunately, there are still affordable towns near Minneapolis and St. Paul where you can find great value, livability, and access to metro amenities. Whether you're a first-time homebuyer, investor, or simply looking to downsize, these towns offer a smart entry point into the market—without compromising lifestyle.

We’ve compiled the Top 10 Most Affordable Towns in the Twin Cities Metro Area for 2025 using the latest housing data. From riverside retreats to commuter-friendly suburbs, here’s where you’ll find budget-friendly living in Minnesota.

🏡 Top 10 Most Affordable Twin Cities Suburbs (2025)

10. Medina
Enjoy a rural lifestyle just outside the city. Large lots, peaceful surroundings, and solid value for families seeking space without sacrificing convenience.

9. Ham Lake
Loved by families for its affordable homes and generous yard sizes. Close enough for commuters, with a tight-knit, nature-rich vibe.

8. Farmington
A growing favorite for first-time buyers. Offers modern homes, excellent schools, and an affordable escape from rising metro prices.

7. Dellwood
This under-the-radar gem offers small homes and fixer-uppers in a scenic setting near lakes and trails—without the Edina price tag.

6. Mounds View
Conveniently located near both downtowns, this commuter haven offers good schools, modest housing, and a lower cost of living.

5. Hastings
Historic charm along the Mississippi River. Affordable homes, a walkable downtown, and scenic views make Hastings a standout.

4. South St. Paul
A hidden gem for city access at suburban prices. It’s community-focused, transit-friendly, and ideal for investors or first-timers.

3. Laketown Township
Near Carver, this lesser-known area offers space, privacy, and affordability, all with quick access to metro conveniences.

2. Lake St. Croix Beach
Small in size, big on charm. River views, peaceful living, and unbeatable prices make this a top pick for nature lovers.

1. West Lakeland Township
Our #1 pick combines tranquility, top-rated schools, and proximity to Stillwater and St. Paul—all at a below-average price point.

📈 Twin Cities Housing Market Snapshot – April 2025

• New Listings are up 22.63% year-over-year, with a 42.07% increase from March to April.

  • Stillwater SD: 159

  • Hudson SD: 74

• Average Home Prices surged by 22.6% YoY, now at $579,618.50.

  • Stillwater SD: $643,602

  • Hudson SD: $515,635

• Days on Market

  • Stillwater SD: 836 days (likely an anomaly or data error)

  • Hudson SD: 48 days

  • Average: 42 days

💡 Note: While prices are climbing in many areas, towns on our list still offer excellent value relative to the metro-wide averages.

🎯 Ready to Move?

If you’re considering a move—especially near Stillwater, Hudson, or anywhere in the St. Croix Valley—reach out today. We offer monthly updated market stats, personalized data reports, and deep local expertise to help you make a smart, confident purchase.