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Villard city, MN

ZIP 56385 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 56385

Median Home Value
$217,300
Median Rent
$640
Affordability Snapshot
$60,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,396/mo PITI).

11%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

28.3 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 56385 in Villard city, MN, a household would need roughly $60,000 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 $1,396. That sits below the local median household income ($69,375), 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 33% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
90.0%+38% vs US avg
x
Vacancy Rate
32.5%+216% vs US avg
x
Broadband Access
76.4%-12% vs US avg
x
4+ Bedrooms
6.9%-53% vs US avg
x
Built Pre-1939
5.7%-56% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
13.6%-73% vs US avg
x
Mortgage-Free
46.0%+20% vs US avg
x
$217,300
Home Value
$640
Rent
1968
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached92.8%
  • 1-unit attached0.8%
  • 2-9 units0.8%
  • 10+ units0.0%
  • Mobile home & other5.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$217,300
Median rent$640
Owner-occupied90.0%
Vacant32.5%
Price-to-income3.1x
Est. income to buy$60,000