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Brainerd city, MN

ZIP 56401 — 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 56401

Median Home Value
$237,900
Median Rent
$809
Affordability Snapshot
$65,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,528/mo PITI).

14%
Rent-to-Income Ratio

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

3.4x
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 56401 in Brainerd city, MN, a household would need roughly $65,000 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 $1,528. That is roughly in line with the local median household income ($70,269). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
74.0%+13% vs US avg
x
Vacancy Rate
19.0%+84% vs US avg
x
Broadband Access
88.3%+2% vs US avg
x
4+ Bedrooms
6.5%-56% vs US avg
x
Built Pre-1939
4.5%-65% vs US avg
x
Built Post-2014
0.6%-91% vs US avg
x
Rent Burden >30%
15.1%-70% vs US avg
x
Mortgage-Free
35.1%-8% vs US avg
x
$237,900
Home Value
$809
Rent
1984
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached76.5%
  • 1-unit attached3.3%
  • 2-9 units5.9%
  • 10+ units8.3%
  • Mobile home & other5.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$237,900
Median rent$809
Owner-occupied74.0%
Vacant19.0%
Price-to-income3.4x
Est. income to buy$65,000