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Campbell city, MN

ZIP 56522 — 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 56522

Median Home Value
$147,300
Median Rent
$496
Affordability Snapshot
$41,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$946/mo PITI).

7%
Rent-to-Income Ratio

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

1.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

24.7 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 56522 in Campbell city, MN, a household would need roughly $41,000 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 $946. That sits below the local median household income ($81,250), 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

Vacancy rate 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
88.2%+35% vs US avg
x
Vacancy Rate
12.4%+20% vs US avg
x
Broadband Access
80.2%-8% vs US avg
x
4+ Bedrooms
16.5%+12% vs US avg
x
Built Pre-1939
4.1%-68% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
8.0%-84% vs US avg
x
Mortgage-Free
43.3%+13% vs US avg
x
$147,300
Home Value
$496
Rent
1962
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 detached84.3%
  • 1-unit attached2.9%
  • 2-9 units0.0%
  • 10+ units0.8%
  • Mobile home & other12.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$147,300
Median rent$496
Owner-occupied88.2%
Vacant12.4%
Price-to-income1.8x
Est. income to buy$41,000