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Winsted city, MN

ZIP 55395 — 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 55395

Median Home Value
$229,400
Median Rent
$739
Affordability Snapshot
$63,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,474/mo PITI).

12%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

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

25.9 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 55395 in Winsted city, MN, a household would need roughly $63,000 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 $1,474. That sits below the local median household income ($72,901), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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
79.0%+21% vs US avg
x
Vacancy Rate
5.5%-47% vs US avg
x
Broadband Access
85.6%-2% vs US avg
x
4+ Bedrooms
5.3%-65% vs US avg
x
Built Pre-1939
5.2%-60% vs US avg
x
Built Post-2014
0.6%-92% vs US avg
x
Rent Burden >30%
17.7%-64% vs US avg
x
Mortgage-Free
45.8%+20% vs US avg
x
$229,400
Home Value
$739
Rent
1972
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 detached72.4%
  • 1-unit attached5.2%
  • 2-9 units10.3%
  • 10+ units5.5%
  • Mobile home & other6.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$229,400
Median rent$739
Owner-occupied79.0%
Vacant5.5%
Price-to-income3.1x
Est. income to buy$63,000