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Cuyuna city, MN

ZIP 56444 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 56444

Median Home Value
$318,500
Median Rent
$718
Affordability Snapshot
$88,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,046/mo PITI).

12%
Rent-to-Income Ratio

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

4.3x
Home Price-to-Income Ratio

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

37.0 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 56444 in Cuyuna city, MN, a household would need roughly $88,000 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 $2,046. That is about 18% above the local median household income ($74,265), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 45% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
86.6%+32% vs US avg
x
Vacancy Rate
45.5%+342% vs US avg
x
Broadband Access
87.4%+0% vs US avg
x
4+ Bedrooms
9.4%-36% vs US avg
x
Built Pre-1939
3.8%-70% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
6.4%-87% vs US avg
x
Mortgage-Free
42.4%+11% vs US avg
x
$318,500
Home Value
$718
Rent
1986
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 detached86.5%
  • 1-unit attached1.9%
  • 2-9 units2.2%
  • 10+ units4.1%
  • Mobile home & other5.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$318,500
Median rent$718
Owner-occupied86.6%
Vacant45.5%
Price-to-income4.3x
Est. income to buy$88,000