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St. Augusta city, MN

ZIP 55320 — 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 55320

Median Home Value
$307,200
Median Rent
$972
Affordability Snapshot
$85,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,973/mo PITI).

11%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

26.3 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 55320 in St. Augusta city, MN, a household would need roughly $85,000 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 $1,973. That sits below the local median household income ($109,242), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
84.3%+29% vs US avg
x
Vacancy Rate
5.3%-49% vs US avg
x
Broadband Access
92.3%+6% vs US avg
x
4+ Bedrooms
12.7%-15% vs US avg
x
Built Pre-1939
3.2%-75% vs US avg
x
Built Post-2014
2.1%-70% vs US avg
x
Rent Burden >30%
17.1%-66% vs US avg
x
Mortgage-Free
33.2%-13% vs US avg
x
$307,200
Home Value
$972
Rent
1995
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 detached83.8%
  • 1-unit attached5.1%
  • 2-9 units0.4%
  • 10+ units9.9%
  • Mobile home & other0.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$307,200
Median rent$972
Owner-occupied84.3%
Vacant5.3%
Price-to-income2.8x
Est. income to buy$85,000