US5.com
  1. Home
  2. States
  3. Minnesota
  4. ZIP 55802
  5. Housing & Real Estate
Duluth city, MN

ZIP 55802 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 55802

Median Home Value
$479,700
Median Rent
$575
Affordability Snapshot
$132,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,081/mo PITI).

17%
Rent-to-Income Ratio

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

11.7x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

69.5 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 55802 in Duluth city, MN, a household would need roughly $132,000 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 $3,081. That is about 223% above the local median household income ($40,850), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
34.3%-48% vs US avg
x
Vacancy Rate
12.6%+22% vs US avg
x
Broadband Access
85.8%-1% vs US avg
x
4+ Bedrooms
0.8%-94% vs US avg
x
Built Pre-1939
4.3%-66% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
24.0%-52% vs US avg
x
Mortgage-Free
42.3%+11% vs US avg
x
$479,700
Home Value
$575
Rent
1959
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached29.4%
  • 1-unit attached6.1%
  • 2-9 units10.5%
  • 10+ units54.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$479,700
Median rent$575
Owner-occupied34.3%
Vacant12.6%
Price-to-income11.7x
Est. income to buy$132,000