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Rock Creek city, MN

ZIP 55063 — 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 55063

Median Home Value
$239,000
Median Rent
$673
Affordability Snapshot
$66,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,535/mo PITI).

11%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

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

29.6 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 55063 in Rock Creek city, MN, a household would need roughly $66,000 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 $1,535. That sits below the local median household income ($74,854), 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 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
81.0%+24% vs US avg
x
Vacancy Rate
20.2%+96% vs US avg
x
Broadband Access
86.1%-1% vs US avg
x
4+ Bedrooms
2.9%-80% vs US avg
x
Built Pre-1939
3.0%-76% vs US avg
x
Built Post-2014
0.3%-95% vs US avg
x
Rent Burden >30%
17.8%-64% vs US avg
x
Mortgage-Free
38.8%+1% vs US avg
x
$239,000
Home Value
$673
Rent
1982
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 detached77.7%
  • 1-unit attached1.4%
  • 2-9 units5.9%
  • 10+ units4.8%
  • Mobile home & other10.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$239,000
Median rent$673
Owner-occupied81.0%
Vacant20.2%
Price-to-income3.2x
Est. income to buy$66,000