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Upsala city, MN

ZIP 56384 — 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 56384

Median Home Value
$134,600
Median Rent
$640
Affordability Snapshot
$37,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$865/mo PITI).

14%
Rent-to-Income Ratio

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

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.5 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 56384 in Upsala city, MN, a household would need roughly $37,000 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 $865. That sits below the local median household income ($56,250), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
58.0%-11% vs US avg
x
Vacancy Rate
5.1%-51% vs US avg
x
Broadband Access
72.5%-17% vs US avg
x
4+ Bedrooms
0.7%-95% vs US avg
x
Built Pre-1939
12.3%-4% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
3.6%-93% vs US avg
x
Mortgage-Free
28.9%-24% vs US avg
x
$134,600
Home Value
$640
Rent
1972
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached60.1%
  • 1-unit attached6.5%
  • 2-9 units18.1%
  • 10+ units10.9%
  • Mobile home & other4.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$134,600
Median rent$640
Owner-occupied58.0%
Vacant5.1%
Price-to-income2.4x
Est. income to buy$37,000