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Harmony city, MN

ZIP 55939 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 55939

Median Home Value
$185,300
Median Rent
$507
Affordability Snapshot
$51,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,190/mo PITI).

9%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

30.5 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 55939 in Harmony city, MN, a household would need roughly $51,000 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 $1,190. That sits below the local median household income ($66,087), 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 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.1%+26% vs US avg
x
Vacancy Rate
17.1%+66% vs US avg
x
Broadband Access
75.9%-13% vs US avg
x
4+ Bedrooms
5.9%-60% vs US avg
x
Built Pre-1939
8.5%-33% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
25.0%-50% vs US avg
x
Mortgage-Free
43.2%+13% vs US avg
x
$185,300
Home Value
$507
Rent
1961
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached86.4%
  • 1-unit attached2.4%
  • 2-9 units4.3%
  • 10+ units5.7%
  • Mobile home & other1.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$185,300
Median rent$507
Owner-occupied82.1%
Vacant17.1%
Price-to-income2.8x
Est. income to buy$51,000