Windom, Minnesota.
Typical home $181,930 (+0.9% in a year).
to buy the typical home at today's mortgage rate — +$480 (+101%) since Jan 2020.
- 1 year
- Up $1,622 +1%
- $180,308$181,930 since Sep 2025
- 5 years
- Up $29,103 +19%
- $152,826$181,930 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.
- Windom$955
- Minnesota$1,831
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 20 years.
Typical home values in Windom, MN rose 0.9% over the past year — slower than the nation's +1.2%.
Living in Windom, Cottonwood County, Minnesota
Windom is a city of 4,798 people in Cottonwood County. Half its households earn more than $74,899 a year and half less, against $72,941 across Cottonwood County; 14% of its people live below the poverty line. 68% of its homes are lived in by their owners and 32% are rented. Unemployment in Cottonwood County was 5.5% in August 2026, and the county had 0.5% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then manufacturing.
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 It can be wrong or out of date.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. Windom is a small city and the seat of Cottonwood County, in the farm country of southwestern Minnesota. Most homes are lived in by their owners, and household incomes run a little above the county's. Winters are cold, with January highs staying below freezing and a good deal of snow through the season, while July brings warm days and the year has a fair amount of rain and melted snow. Most adults do not hold a four-year degree, and the typical trip to work is short.
Work. Residents work mostly in schools, hospitals and social care, with manufacturing, shops, and banks, insurance and property also employing many. Among the largest workplaces in Windom are the Toro Main Plant, the Windom Public School District and Hy-Vee. Unemployment across Cottonwood County is higher than it was a year earlier, and the county has a few fewer jobs than the year before.
Things to do. Clear Lake and the Windom Wetland Management District are in or beside town, so a walk by the water or a look at the wetland birds needs no real trip. A short drive takes you to Bingham Lake, another lake for fishing or a quiet afternoon outdoors.
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- 1,955households
- 26%of adults have a degree
- 14%below the poverty line
- 13 mintypical commute
- 8%work from home
What residents work in
Employed residents by industry, from the Census survey. Cottonwood County had 4,821 jobs in 2025, 0.5% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 25° and lows near 8°; warmest in July, with highs near 84° and lows near 63°. About 44 inches of snow and 32 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Windom weather station, under a mile away (NOAA).
Largest workplaces in Windom
- Toro Main PlantGarden machinery and equipment, powered, manufacturing447
- Windom Public School DistrictSchool district198FTE
- Hy-VeeSupermarkets and other grocery except convenience stores98
- District WideK-12 education72
- McDonalds - WindomRestaurants, fast food55
- Palmer Bus Service of WindomSchool bus services54
- Sevita 383810_JACKSONCorporate, subsidary and regional managing offices54
- Staples Oil CoBulk gasoline stations47
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 17 workplaces with 20 or more staff, 1,231 people in all. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. 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
- Winter weatherVery high
- Cold wavesVery high
- Strong windVery high
- HailRelatively high
- Ice stormsRelatively high
- Inland floodingRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Windom’s census tracts, against the rest of the country; all of them together, relatively high. 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 Cottonwood County.
Windom home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Windom$181,930
- Minnesota$348,778
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 4 Windom listings — the market is roughly in balance.
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.
- Windom23.93%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Windom37
New listings per month
Sellers arriving at the market.
- Windom10
Zip codes with a Windom address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Windom — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Windom
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 56101 | Windom | 6,157 | — | $177,372 |
| 56137 | Heron Lake | 1,039 | — | $190,675 |