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Duluth city, MN

ZIP 55807 — 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 55807

Median Home Value
$164,000
Median Rent
$761
Affordability Snapshot
$45,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,053/mo PITI).

14%
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.

18.0 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 55807 in Duluth city, MN, a household would need roughly $45,000 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 $1,053. That sits below the local median household income ($63,670), 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
72.3%+11% vs US avg
x
Vacancy Rate
4.6%-55% vs US avg
x
Broadband Access
86.5%-1% vs US avg
x
4+ Bedrooms
2.4%-84% vs US avg
x
Built Pre-1939
6.3%-51% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
35.2%-29% vs US avg
x
Mortgage-Free
33.2%-13% vs US avg
x
$164,000
Home Value
$761
Rent
1938
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 detached74.0%
  • 1-unit attached1.7%
  • 2-9 units14.5%
  • 10+ units8.3%
  • Mobile home & other1.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$164,000
Median rent$761
Owner-occupied72.3%
Vacant4.6%
Price-to-income2.6x
Est. income to buy$45,000