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St. Martin city, MN

ZIP 56376 — 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 56376

Median Home Value
$212,800
Median Rent
$458
Affordability Snapshot
$59,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,367/mo PITI).

8%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

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

38.7 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 56376 in St. Martin city, MN, a household would need roughly $59,000 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 $1,367. That sits below the local median household income ($67,500), 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
79.7%+22% vs US avg
x
Vacancy Rate
0.0%
x
Broadband Access
89.1%+2% vs US avg
x
4+ Bedrooms
8.0%-46% vs US avg
x
Built Pre-1939
2.9%-77% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
7.1%-86% vs US avg
x
Mortgage-Free
36.4%-5% vs US avg
x
$212,800
Home Value
$458
Rent
1979
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached76.8%
  • 1-unit attached1.4%
  • 2-9 units1.4%
  • 10+ units18.8%
  • Mobile home & other1.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$212,800
Median rent$458
Owner-occupied79.7%
Vacant0.0%
Price-to-income3.2x
Est. income to buy$59,000