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Rock Creek city, MN

ZIP 55069 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 55069

Median Home Value
$279,800
Median Rent
$848
Affordability Snapshot
$77,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,797/mo PITI).

14%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.7x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

27.5 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 55069 in Rock Creek city, MN, a household would need roughly $77,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,797. That is roughly in line with the local median household income ($75,139). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
77.9%+19% vs US avg
x
Vacancy Rate
9.2%-10% vs US avg
x
Broadband Access
88.3%+1% vs US avg
x
4+ Bedrooms
4.3%-71% vs US avg
x
Built Pre-1939
3.0%-76% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
19.3%-61% vs US avg
x
Mortgage-Free
31.5%-17% vs US avg
x
$279,800
Home Value
$848
Rent
1983
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached77.0%
  • 1-unit attached5.7%
  • 2-9 units3.7%
  • 10+ units8.1%
  • Mobile home & other5.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$279,800
Median rent$848
Owner-occupied77.9%
Vacant9.2%
Price-to-income3.7x
Est. income to buy$77,000