US5.com
  1. Home
  2. States
  3. Minnesota
  4. ZIP 56374
  5. Housing & Real Estate
St. Joseph city, MN

ZIP 56374 — 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 56374

Median Home Value
$281,300
Median Rent
$957
Affordability Snapshot
$77,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,807/mo PITI).

15%
Rent-to-Income Ratio

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

3.6x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

24.5 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 56374 in St. Joseph city, MN, a household would need roughly $77,000 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 $1,807. That is roughly in line with the local median household income ($78,415). 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
74.0%+13% vs US avg
x
Vacancy Rate
5.7%-45% vs US avg
x
Broadband Access
87.0%+0% vs US avg
x
4+ Bedrooms
6.2%-58% vs US avg
x
Built Pre-1939
5.6%-56% vs US avg
x
Built Post-2014
1.0%-86% vs US avg
x
Rent Burden >30%
18.6%-63% vs US avg
x
Mortgage-Free
37.0%-3% vs US avg
x
$281,300
Home Value
$957
Rent
1988
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 detached74.5%
  • 1-unit attached9.2%
  • 2-9 units6.1%
  • 10+ units9.2%
  • Mobile home & other0.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$281,300
Median rent$957
Owner-occupied74.0%
Vacant5.7%
Price-to-income3.6x
Est. income to buy$77,000