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Utica city, MN

ZIP 55979 — 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 55979

Median Home Value
$250,000
Median Rent
$839
Affordability Snapshot
$69,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,606/mo PITI).

12%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

24.8 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 55979 in Utica city, MN, a household would need roughly $69,000 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 $1,606. That sits below the local median household income ($83,482), 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
79.3%+21% vs US avg
x
Vacancy Rate
3.0%-70% vs US avg
x
Broadband Access
75.1%-14% vs US avg
x
4+ Bedrooms
11.4%-23% vs US avg
x
Built Pre-1939
3.0%-76% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
62.0%+25% vs US avg
x
Mortgage-Free
44.4%+16% vs US avg
x
$250,000
Home Value
$839
Rent
1971
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached91.6%
  • 1-unit attached1.3%
  • 2-9 units1.8%
  • 10+ units0.0%
  • Mobile home & other5.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$250,000
Median rent$839
Owner-occupied79.3%
Vacant3.0%
Price-to-income3.0x
Est. income to buy$69,000