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St. Charles city, MN

ZIP 55972 — 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 55972

Median Home Value
$256,000
Median Rent
$821
Affordability Snapshot
$70,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,644/mo PITI).

10%
Rent-to-Income Ratio

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

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

26.0 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 55972 in St. Charles city, MN, a household would need roughly $70,000 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 $1,644. That sits below the local median household income ($97,500), 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
84.5%+29% vs US avg
x
Vacancy Rate
6.1%-41% vs US avg
x
Broadband Access
89.1%+2% vs US avg
x
4+ Bedrooms
9.9%-33% vs US avg
x
Built Pre-1939
4.5%-65% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
8.4%-83% vs US avg
x
Mortgage-Free
36.0%-6% vs US avg
x
$256,000
Home Value
$821
Rent
1976
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 detached82.4%
  • 1-unit attached3.3%
  • 2-9 units11.2%
  • 10+ units1.5%
  • Mobile home & other1.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$256,000
Median rent$821
Owner-occupied84.5%
Vacant6.1%
Price-to-income2.6x
Est. income to buy$70,000