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Ruthton city, MN

ZIP 56170 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 56170

Median Home Value
$101,000
Median Rent
$414
Affordability Snapshot
$28,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$649/mo PITI).

9%
Rent-to-Income Ratio

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

1.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.3 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 56170 in Ruthton city, MN, a household would need roughly $28,000 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 $649. That sits below the local median household income ($54,821), 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
84.9%+30% vs US avg
x
Vacancy Rate
9.5%-8% vs US avg
x
Broadband Access
79.5%-9% vs US avg
x
4+ Bedrooms
3.8%-74% vs US avg
x
Built Pre-1939
5.7%-56% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
2.8%-94% vs US avg
x
Mortgage-Free
70.4%+84% vs US avg
x
$101,000
Home Value
$414
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 detached94.7%
  • 1-unit attached1.5%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other3.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$101,000
Median rent$414
Owner-occupied84.9%
Vacant9.5%
Price-to-income1.8x
Est. income to buy$28,000