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Cass Lake city, MN

ZIP 56633 — 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 56633

Median Home Value
$157,900
Median Rent
$578
Affordability Snapshot
$43,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,014/mo PITI).

11%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.8 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 56633 in Cass Lake city, MN, a household would need roughly $43,000 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 $1,014. That sits below the local median household income ($62,422), 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 38% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
68.5%+5% vs US avg
x
Vacancy Rate
38.1%+270% vs US avg
x
Broadband Access
80.7%-7% vs US avg
x
4+ Bedrooms
4.4%-70% vs US avg
x
Built Pre-1939
2.8%-78% vs US avg
x
Built Post-2014
0.6%-91% vs US avg
x
Rent Burden >30%
13.3%-73% vs US avg
x
Mortgage-Free
58.5%+53% vs US avg
x
$157,900
Home Value
$578
Rent
1983
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 detached75.0%
  • 1-unit attached1.2%
  • 2-9 units2.3%
  • 10+ units3.1%
  • Mobile home & other18.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$157,900
Median rent$578
Owner-occupied68.5%
Vacant38.1%
Price-to-income2.5x
Est. income to buy$43,000