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Crosslake city, MN

ZIP 56442 — 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 56442

Median Home Value
$534,100
Median Rent
$975
Affordability Snapshot
$147,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,431/mo PITI).

14%
Rent-to-Income Ratio

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

6.3x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

45.6 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 56442 in Crosslake city, MN, a household would need roughly $147,000 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 $3,431. That is about 73% above the local median household income ($85,179), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 59% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
86.4%+32% vs US avg
x
Vacancy Rate
59.0%+473% vs US avg
x
Broadband Access
90.2%+4% vs US avg
x
4+ Bedrooms
10.7%-28% vs US avg
x
Built Pre-1939
1.9%-85% vs US avg
x
Built Post-2014
1.3%-81% vs US avg
x
Rent Burden >30%
10.5%-79% vs US avg
x
Mortgage-Free
38.7%+1% vs US avg
x
$534,100
Home Value
$975
Rent
1990
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached86.9%
  • 1-unit attached2.6%
  • 2-9 units2.7%
  • 10+ units3.3%
  • Mobile home & other4.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$534,100
Median rent$975
Owner-occupied86.4%
Vacant59.0%
Price-to-income6.3x
Est. income to buy$147,000