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Howard Lake city, MN

ZIP 55349 — 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 55349

Median Home Value
$287,100
Median Rent
$842
Affordability Snapshot
$79,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,844/mo PITI).

10%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

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 55349 in Howard Lake city, MN, a household would need roughly $79,000 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 $1,844. That sits below the local median household income ($100,054), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.0%+27% vs US avg
x
Vacancy Rate
11.3%+10% vs US avg
x
Broadband Access
88.3%+2% vs US avg
x
4+ Bedrooms
5.1%-66% vs US avg
x
Built Pre-1939
2.4%-81% vs US avg
x
Built Post-2014
1.5%-78% vs US avg
x
Rent Burden >30%
16.2%-67% vs US avg
x
Mortgage-Free
34.8%-9% vs US avg
x
$287,100
Home Value
$842
Rent
1982
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached84.6%
  • 1-unit attached1.2%
  • 2-9 units3.6%
  • 10+ units7.5%
  • Mobile home & other3.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$287,100
Median rent$842
Owner-occupied83.0%
Vacant11.3%
Price-to-income2.9x
Est. income to buy$79,000