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Bertha city, MN

ZIP 56437 — Housing & Real Estate

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

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 56437

Median Home Value
$110,000
Median Rent
$635
Affordability Snapshot
$30,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$707/mo PITI).

13%
Rent-to-Income Ratio

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

1.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

14.4 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 56437 in Bertha city, MN, a household would need roughly $30,000 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 $707. That sits below the local median household income ($59,313), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.5%+28% vs US avg
x
Vacancy Rate
11.4%+11% vs US avg
x
Broadband Access
68.8%-21% vs US avg
x
4+ Bedrooms
12.8%-13% vs US avg
x
Built Pre-1939
7.5%-41% vs US avg
x
Built Post-2014
1.6%-77% vs US avg
x
Rent Burden >30%
24.4%-51% vs US avg
x
Mortgage-Free
46.0%+20% vs US avg
x
$110,000
Home Value
$635
Rent
1969
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached83.8%
  • 1-unit attached0.9%
  • 2-9 units2.7%
  • 10+ units5.7%
  • Mobile home & other7.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$110,000
Median rent$635
Owner-occupied83.5%
Vacant11.4%
Price-to-income1.9x
Est. income to buy$30,000