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Lindstrom city, MN

ZIP 55045 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 55045

Median Home Value
$373,500
Median Rent
$903
Affordability Snapshot
$103,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,399/mo PITI).

10%
Rent-to-Income Ratio

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

3.4x
Home Price-to-Income Ratio

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

34.5 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 55045 in Lindstrom city, MN, a household would need roughly $103,000 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 $2,399. That is roughly in line with the local median household income ($110,685). 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
90.7%+39% vs US avg
x
Vacancy Rate
7.1%-31% vs US avg
x
Broadband Access
92.1%+6% vs US avg
x
4+ Bedrooms
7.8%-48% vs US avg
x
Built Pre-1939
0.7%-94% vs US avg
x
Built Post-2014
2.4%-65% vs US avg
x
Rent Burden >30%
7.7%-85% vs US avg
x
Mortgage-Free
28.7%-25% vs US avg
x
$373,500
Home Value
$903
Rent
1992
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached83.7%
  • 1-unit attached4.5%
  • 2-9 units0.1%
  • 10+ units5.8%
  • Mobile home & other5.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$373,500
Median rent$903
Owner-occupied90.7%
Vacant7.1%
Price-to-income3.4x
Est. income to buy$103,000