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Rutledge city, MN

ZIP 55795 — 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 55795

Median Home Value
$223,900
Median Rent
$667
Affordability Snapshot
$62,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,438/mo PITI).

12%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

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

28.0 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 55795 in Rutledge city, MN, a household would need roughly $62,000 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 $1,438. That sits below the local median household income ($69,485), 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

Vacancy rate 35% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
86.3%+32% vs US avg
x
Vacancy Rate
34.6%+236% vs US avg
x
Broadband Access
84.8%-2% vs US avg
x
4+ Bedrooms
3.8%-75% vs US avg
x
Built Pre-1939
2.4%-82% vs US avg
x
Built Post-2014
3.8%-45% vs US avg
x
Rent Burden >30%
8.4%-83% vs US avg
x
Mortgage-Free
37.1%-3% vs US avg
x
$223,900
Home Value
$667
Rent
1991
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached85.2%
  • 1-unit attached0.0%
  • 2-9 units2.3%
  • 10+ units0.2%
  • Mobile home & other12.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$223,900
Median rent$667
Owner-occupied86.3%
Vacant34.6%
Price-to-income3.2x
Est. income to buy$62,000