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Blaine city, MN

ZIP 55434 — 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 55434

Median Home Value
$269,600
Median Rent
$1,498
Affordability Snapshot
$74,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,732/mo PITI).

20%
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.

15.0 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 55434 in Blaine city, MN, a household would need roughly $74,000 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 $1,732. That sits below the local median household income ($88,163), 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

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

Heating Fuel
Housing Metrics
Owner Occupied
81.7%+25% vs US avg
x
Vacancy Rate
2.7%-74% vs US avg
x
Broadband Access
93.7%+8% vs US avg
x
4+ Bedrooms
5.5%-63% vs US avg
x
Built Pre-1939
2.4%-82% vs US avg
x
Built Post-2014
1.6%-77% vs US avg
x
Rent Burden >30%
22.8%-54% vs US avg
x
Mortgage-Free
37.4%-2% vs US avg
x
$269,600
Home Value
$1,498
Rent
1983
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached63.1%
  • 1-unit attached12.9%
  • 2-9 units1.4%
  • 10+ units10.4%
  • Mobile home & other12.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$269,600
Median rent$1,498
Owner-occupied81.7%
Vacant2.7%
Price-to-income3.1x
Est. income to buy$74,000