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Duluth city, MN

ZIP 55808 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 55808

Median Home Value
$157,500
Median Rent
$777
Affordability Snapshot
$43,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,012/mo PITI).

16%
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.

16.9 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 55808 in Duluth city, MN, a household would need roughly $43,000 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 $1,012. That sits below the local median household income ($59,808), 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
73.0%+12% vs US avg
x
Vacancy Rate
6.0%-42% vs US avg
x
Broadband Access
89.7%+3% vs US avg
x
4+ Bedrooms
4.5%-70% vs US avg
x
Built Pre-1939
3.2%-75% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
10.8%-78% vs US avg
x
Mortgage-Free
37.3%-2% vs US avg
x
$157,500
Home Value
$777
Rent
1948
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached56.8%
  • 1-unit attached4.6%
  • 2-9 units15.5%
  • 10+ units8.1%
  • Mobile home & other14.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$157,500
Median rent$777
Owner-occupied73.0%
Vacant6.0%
Price-to-income2.6x
Est. income to buy$43,000