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Effie city, MN

ZIP 56639 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 56639

Median Home Value
$186,100
Median Rent
$1,102
Affordability Snapshot
$51,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,195/mo PITI).

32%
Rent-to-Income Ratio

Above the 30% affordability threshold — housing cost-burdened area.

4.5x
Home Price-to-Income Ratio

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

14.1 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 56639 in Effie city, MN, a household would need roughly $51,000 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 $1,195. That is about 23% above the local median household income ($41,417), 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 61% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
81.7%+25% vs US avg
x
Vacancy Rate
60.9%+492% vs US avg
x
Broadband Access
82.7%-5% vs US avg
x
4+ Bedrooms
0.4%-97% vs US avg
x
Built Pre-1939
11.0%-14% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
5.7%-89% vs US avg
x
Mortgage-Free
57.0%+49% vs US avg
x
$186,100
Home Value
$1,102
Rent
1974
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 detached91.6%
  • 1-unit attached0.6%
  • 2-9 units0.6%
  • 10+ units0.0%
  • Mobile home & other7.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$186,100
Median rent$1,102
Owner-occupied81.7%
Vacant60.9%
Price-to-income4.5x
Est. income to buy$51,000