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Starbuck city, MN

ZIP 56381 — 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 56381

Median Home Value
$226,000
Median Rent
$725
Affordability Snapshot
$62,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,452/mo PITI).

11%
Rent-to-Income Ratio

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

2.9x
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 56381 in Starbuck city, MN, a household would need roughly $62,000 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 $1,452. That sits below the local median household income ($78,348), 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 24% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
81.9%+25% vs US avg
x
Vacancy Rate
24.1%+134% vs US avg
x
Broadband Access
90.9%+5% vs US avg
x
4+ Bedrooms
4.2%-72% vs US avg
x
Built Pre-1939
3.2%-75% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
26.2%-47% vs US avg
x
Mortgage-Free
37.1%-3% vs US avg
x
$226,000
Home Value
$725
Rent
1969
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 detached84.4%
  • 1-unit attached2.2%
  • 2-9 units4.6%
  • 10+ units7.0%
  • Mobile home & other1.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$226,000
Median rent$725
Owner-occupied81.9%
Vacant24.1%
Price-to-income2.9x
Est. income to buy$62,000