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Amboy city, MN

ZIP 56010 — 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 56010

Median Home Value
$158,400
Median Rent
$594
Affordability Snapshot
$44,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,018/mo PITI).

9%
Rent-to-Income Ratio

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

1.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.2 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 56010 in Amboy city, MN, a household would need roughly $44,000 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 $1,018. That sits below the local median household income ($83,854), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
87.2%+33% vs US avg
x
Vacancy Rate
12.2%+18% vs US avg
x
Broadband Access
90.6%+4% vs US avg
x
4+ Bedrooms
4.9%-67% vs US avg
x
Built Pre-1939
3.6%-72% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
18.3%-63% vs US avg
x
Mortgage-Free
62.1%+63% vs US avg
x
$158,400
Home Value
$594
Rent
1938
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached91.6%
  • 1-unit attached0.6%
  • 2-9 units6.4%
  • 10+ units0.0%
  • Mobile home & other1.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$158,400
Median rent$594
Owner-occupied87.2%
Vacant12.2%
Price-to-income1.9x
Est. income to buy$44,000