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Duluth city, MN

ZIP 55804 — 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 55804

Median Home Value
$286,800
Median Rent
$1,103
Affordability Snapshot
$79,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,842/mo PITI).

12%
Rent-to-Income Ratio

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

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

21.7 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 55804 in Duluth 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 $1,842. That sits below the local median household income ($108,231), 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
87.1%+33% vs US avg
x
Vacancy Rate
6.9%-33% vs US avg
x
Broadband Access
91.5%+5% vs US avg
x
4+ Bedrooms
5.7%-62% vs US avg
x
Built Pre-1939
7.3%-43% vs US avg
x
Built Post-2014
0.4%-95% vs US avg
x
Rent Burden >30%
33.4%-33% vs US avg
x
Mortgage-Free
32.6%-15% vs US avg
x
$286,800
Home Value
$1,103
Rent
1958
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached89.8%
  • 1-unit attached0.6%
  • 2-9 units3.1%
  • 10+ units5.3%
  • Mobile home & other1.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$286,800
Median rent$1,103
Owner-occupied87.1%
Vacant6.9%
Price-to-income2.6x
Est. income to buy$79,000