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Rose Creek city, MN

ZIP 55970 — 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 55970

Median Home Value
$188,200
Median Rent
$804
Affordability Snapshot
$52,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,209/mo PITI).

11%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

19.5 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 55970 in Rose Creek city, MN, a household would need roughly $52,000 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 $1,209. That sits below the local median household income ($85,694), 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
88.1%+35% vs US avg
x
Vacancy Rate
6.3%-39% vs US avg
x
Broadband Access
85.1%-2% vs US avg
x
4+ Bedrooms
8.8%-40% vs US avg
x
Built Pre-1939
7.7%-40% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
22.9%-54% vs US avg
x
Mortgage-Free
52.1%+36% vs US avg
x
$188,200
Home Value
$804
Rent
1955
Year Built
2003
Moved In

Residents have lived here since ~2003 on average

Housing Structure

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

  • 1-unit detached93.7%
  • 1-unit attached1.4%
  • 2-9 units0.2%
  • 10+ units1.9%
  • Mobile home & other2.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$188,200
Median rent$804
Owner-occupied88.1%
Vacant6.3%
Price-to-income2.2x
Est. income to buy$52,000