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, MN

ZIP 55781 — 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 55781

Median Home Value
$366,400
Median Rent
$875
Affordability Snapshot
$101,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,354/mo PITI).

11%
Rent-to-Income Ratio

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

3.8x
Home Price-to-Income Ratio

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

34.9 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 55781 in MN, a household would need roughly $101,000 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 $2,354. That is roughly in line with the local median household income ($95,536). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 60% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
95.4%+46% vs US avg
x
Vacancy Rate
60.0%+483% vs US avg
x
Broadband Access
87.6%+1% vs US avg
x
4+ Bedrooms
0.5%-97% vs US avg
x
Built Pre-1939
4.6%-64% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
61.0%+60% vs US avg
x
$366,400
Home Value
$875
Rent
1978
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

  • 1-unit detached96.7%
  • 1-unit attached0.2%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other3.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$366,400
Median rent$875
Owner-occupied95.4%
Vacant60.0%
Price-to-income3.8x
Est. income to buy$101,000