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Oakdale city, MN

ZIP 55128 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 55128

Median Home Value
$300,700
Median Rent
$1,363
Affordability Snapshot
$83,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,932/mo PITI).

18%
Rent-to-Income Ratio

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

3.4x
Home Price-to-Income Ratio

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

18.4 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 55128 in Oakdale city, MN, a household would need roughly $83,000 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 $1,932. That is roughly in line with the local median household income ($89,642). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
78.0%+19% vs US avg
x
Vacancy Rate
2.0%-81% vs US avg
x
Broadband Access
91.2%+5% vs US avg
x
4+ Bedrooms
5.2%-65% vs US avg
x
Built Pre-1939
2.4%-81% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
29.5%-41% vs US avg
x
Mortgage-Free
30.7%-20% vs US avg
x
$300,700
Home Value
$1,363
Rent
1987
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 detached56.3%
  • 1-unit attached21.6%
  • 2-9 units3.1%
  • 10+ units15.1%
  • Mobile home & other3.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$300,700
Median rent$1,363
Owner-occupied78.0%
Vacant2.0%
Price-to-income3.4x
Est. income to buy$83,000