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Chisago City city, MN

ZIP 55013 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 55013

Median Home Value
$366,000
Median Rent
$1,074
Affordability Snapshot
$101,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,351/mo PITI).

13%
Rent-to-Income Ratio

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

3.7x
Home Price-to-Income Ratio

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

28.4 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 55013 in Chisago City city, MN, a household would need roughly $101,000 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 $2,351. That is roughly in line with the local median household income ($99,898). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
76.9%+18% vs US avg
x
Vacancy Rate
8.6%-17% vs US avg
x
Broadband Access
90.8%+4% vs US avg
x
4+ Bedrooms
5.9%-60% vs US avg
x
Built Pre-1939
2.9%-78% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
48.2%-3% vs US avg
x
Mortgage-Free
29.1%-24% vs US avg
x
$366,000
Home Value
$1,074
Rent
1991
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached71.7%
  • 1-unit attached10.9%
  • 2-9 units3.3%
  • 10+ units14.2%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$366,000
Median rent$1,074
Owner-occupied76.9%
Vacant8.6%
Price-to-income3.7x
Est. income to buy$101,000