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Gonvick city, MN

ZIP 56644 — 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 56644

Median Home Value
$154,200
Median Rent
$435
Affordability Snapshot
$42,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$991/mo PITI).

10%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

29.5 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 56644 in Gonvick city, MN, a household would need roughly $42,000 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 $991. That sits below the local median household income ($53,750), 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
82.3%+26% vs US avg
x
Vacancy Rate
37.8%+267% vs US avg
x
Broadband Access
75.9%-13% vs US avg
x
4+ Bedrooms
4.4%-70% vs US avg
x
Built Pre-1939
3.7%-71% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
7.5%-85% vs US avg
x
Mortgage-Free
59.8%+56% vs US avg
x
$154,200
Home Value
$435
Rent
1970
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached78.8%
  • 1-unit attached0.2%
  • 2-9 units9.4%
  • 10+ units0.0%
  • Mobile home & other11.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$154,200
Median rent$435
Owner-occupied82.3%
Vacant37.8%
Price-to-income2.9x
Est. income to buy$42,000