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Trail city, MN

ZIP 56684 — 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 56684

Median Home Value
$138,800
Median Rent
N/A
Affordability Snapshot
$38,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$892/mo PITI).

2.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

To comfortably buy a median-priced home in ZIP 56684 in Trail city, MN, a household would need roughly $38,000 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 $892. That sits below the local median household income ($68,333), 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 27% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
96.0%+47% vs US avg
x
Vacancy Rate
27.5%+167% vs US avg
x
Broadband Access
84.7%-3% vs US avg
x
4+ Bedrooms
4.1%-72% vs US avg
x
Built Pre-1939
8.8%-31% vs US avg
x
Built Post-2014
0.6%-92% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
66.4%+74% vs US avg
x
$138,800
Home Value
N/A
Rent
1976
Year Built
2003
Moved In

Residents have lived here since ~2003 on average

Housing Structure

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

  • 1-unit detached83.6%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other16.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$138,800
Median rent$-666,666,666
Owner-occupied96.0%
Vacant27.5%
Price-to-income2.0x
Est. income to buy$38,000