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, MN

ZIP 55738 — 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 55738

Median Home Value
$145,000
Median Rent
N/A
Affordability Snapshot
$40,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$931/mo PITI).

1.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

To comfortably buy a median-priced home in ZIP 55738 in MN, a household would need roughly $40,000 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 $931. That sits below the local median household income ($80,278), 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 21% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
97.4%+49% vs US avg
x
Vacancy Rate
21.4%+108% vs US avg
x
Broadband Access
72.8%-16% vs US avg
x
4+ Bedrooms
5.2%-65% vs US avg
x
Built Pre-1939
6.5%-49% vs US avg
x
Built Post-2014
1.7%-75% vs US avg
x
Rent Burden >30%
16.7%-66% vs US avg
x
Mortgage-Free
46.9%+23% vs US avg
x
$145,000
Home Value
N/A
Rent
1973
Year Built
1999
Moved In

Residents have lived here since ~1999 on average

Housing Structure

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

  • 1-unit detached87.2%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other12.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$145,000
Median rent$-666,666,666
Owner-occupied97.4%
Vacant21.4%
Price-to-income1.8x
Est. income to buy$40,000