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St. Francis city, MN

ZIP 55070 — 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 55070

Median Home Value
$301,700
Median Rent
$1,031
Affordability Snapshot
$83,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,938/mo PITI).

12%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

24.4 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 55070 in St. Francis city, MN, a household would need roughly $83,000 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 $1,938. That sits below the local median household income ($101,925), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
82.3%+26% vs US avg
x
Vacancy Rate
0.0%
x
Broadband Access
92.9%+7% vs US avg
x
4+ Bedrooms
6.4%-57% vs US avg
x
Built Pre-1939
0.2%-99% vs US avg
x
Built Post-2014
3.2%-53% vs US avg
x
Rent Burden >30%
14.2%-72% vs US avg
x
Mortgage-Free
26.4%-31% vs US avg
x
$301,700
Home Value
$1,031
Rent
1999
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 detached69.7%
  • 1-unit attached12.5%
  • 2-9 units5.4%
  • 10+ units3.6%
  • Mobile home & other8.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$301,700
Median rent$1,031
Owner-occupied82.3%
Vacant0.0%
Price-to-income3.0x
Est. income to buy$83,000