Oakdale, Minnesota.
Typical home $355,741 (+3.4% in a year), asking rent $1,858 (+4.1%). Minneapolis-St. Paul-Bloomington, MN-WI metro.
to buy the typical home at today's mortgage rate — +$902 (+93%) since Jan 2020.
- 1 year
- Up $11,843 +3%
- $343,898$355,741 since Sep 2025
- 5 years
- Up $44,683 +14%
- $311,057$355,741 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Oakdale$1,867
- Minnesota$1,831
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 26 years.
Typical home values in Oakdale, MN rose 3.4% over the past year — faster than the nation's +1.2%.
Asking rents in Oakdale, MN rose 4.1% over the past year — faster than the nation's +2.7%.
Owning the typical home in Oakdale runs $682/mo more than renting one. The gap peaked at $771 in Jan 2025.
That is $2,541 a month against $1,858 rent: a $1,867 mortgage payment, plus $293 property tax and $381 insurance & upkeep.
Owning vs renting — Oakdale
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$2,541
- Renting$1,858
- Mortgage only$1,867
Property tax · $293/mo 0.99% of value a year — the ACS 2020-2024 median bill over the median home value for Washington County, MN
Insurance & upkeep · $381/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Oakdale, Washington County, Minnesota
Oakdale is a city of 28,303 people in Washington County. Half its households earn more than $93,772 a year and half less, against $115,345 across Washington County; 6% of its people live below the poverty line. 78% of its homes are lived in by their owners and 22% are rented. Unemployment in Oakdale was 5.3% in August 2026, and Washington County had 1.1% more jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Oakdale is a city in Washington County, in the eastern part of the Twin Cities area. Most homes are lived in by their owners, and the town's households are somewhat younger than many in older suburbs. Incomes here run below the county's, and winters are cold, with the coldest days in January and warm summers that peak in July.
Work. Many residents work in schools, hospitals and social care, with others in professional and business services, manufacturing and shops. Some of the larger workplaces in Oakdale itself are Hy-Vee, the Animal Emergency & Referral Center of Minnesota and the circuit-board maker Keytronic. A good number of people work from home, and unemployment is a little higher than it was a year ago.
Things to do. The Minnesota State Capitol, a museum and landmark, is a short drive away. Farther afield, though still within reach, are the Minneapolis Institute of Art, a museum, and Allianz Field, a stadium, each a longer drive. The Saint Croix River is also a longer drive for those who like time by the water.
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- 11,566households
- 36%of adults have a degree
- 6%below the poverty line
- 24 mintypical commute
- 20%work from home
What residents work in
Employed residents by industry, from the Census survey. Washington County had 96,635 jobs in 2025, 1.1% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 23° and lows near 8°; warmest in July, with highs near 82° and lows near 63°.
Average daily high and low, 1991–2020, at the St. Paul weather station, 4 miles away (NOAA).
Largest workplaces in Oakdale
- Mulcahy NickolausDrywall contractors323
- Animal Emergency & Referral Center of Minnesota (Red)Veterinary clinics316
- Hy-VeeSupermarkets and other grocery except convenience stores253
- First Student247
- KeytronicPrinted circuit assemblies manufacturing207
- Twin City Hardware CompanyArchitectural metalwork merchant wholesalers172
- Menards"home centers"158
- Tartan High SchoolSchools, secondary153
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 50 workplaces with 20 or more staff, 4,141 people in all. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Strong windRelatively high
- TornadoesRelatively high
- LightningRelatively high
- Cold wavesRelatively high
- Hailrelatively high in parts of OakdaleRelatively moderate
- Winter weatherRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Oakdale’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Washington County and the Minneapolis-St. Paul-Bloomington, MN-WI metro.
Oakdale home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Oakdale$355,741
- Minnesota$348,778
- United States$366,157
Sellers are cutting prices on about 1 in 3 Oakdale listings, and the typical home goes pending in 26 days — the market is cooling.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Oakdale31.22%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Oakdale26
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Oakdale112
New listings per month
Sellers arriving at the market.
- Oakdale43
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Oakdale$345,737
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Oakdale101.13%
Zip codes with a Oakdale address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Oakdale — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.