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Benson city, MN

ZIP 56215 — 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 56215

Median Home Value
$161,400
Median Rent
$748
Affordability Snapshot
$44,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,037/mo PITI).

15%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.0 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 56215 in Benson 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 $1,037. That sits below the local median household income ($58,198), 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
69.5%+6% vs US avg
x
Vacancy Rate
11.7%+13% vs US avg
x
Broadband Access
87.7%+1% vs US avg
x
4+ Bedrooms
5.4%-63% vs US avg
x
Built Pre-1939
12.1%-6% vs US avg
x
Built Post-2014
0.0%-99% vs US avg
x
Rent Burden >30%
23.3%-53% vs US avg
x
Mortgage-Free
51.1%+34% vs US avg
x
$161,400
Home Value
$748
Rent
1960
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached77.9%
  • 1-unit attached3.9%
  • 2-9 units9.2%
  • 10+ units7.7%
  • Mobile home & other1.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$161,400
Median rent$748
Owner-occupied69.5%
Vacant11.7%
Price-to-income2.8x
Est. income to buy$44,000