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Zumbrota city, MN

ZIP 55992 — 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 55992

Median Home Value
$260,700
Median Rent
$686
Affordability Snapshot
$72,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,675/mo PITI).

8%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

31.7 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 55992 in Zumbrota city, MN, a household would need roughly $72,000 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 $1,675. That sits below the local median household income ($103,144), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
79.5%+22% vs US avg
x
Vacancy Rate
3.0%-70% vs US avg
x
Broadband Access
91.2%+5% vs US avg
x
4+ Bedrooms
5.9%-60% vs US avg
x
Built Pre-1939
3.3%-75% vs US avg
x
Built Post-2014
2.0%-71% vs US avg
x
Rent Burden >30%
6.4%-87% vs US avg
x
Mortgage-Free
42.5%+11% vs US avg
x
$260,700
Home Value
$686
Rent
1976
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 detached80.7%
  • 1-unit attached1.8%
  • 2-9 units10.1%
  • 10+ units3.0%
  • Mobile home & other4.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$260,700
Median rent$686
Owner-occupied79.5%
Vacant3.0%
Price-to-income2.5x
Est. income to buy$72,000