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Laporte city, MN

ZIP 56461 — 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 56461

Median Home Value
$240,900
Median Rent
$675
Affordability Snapshot
$66,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,547/mo PITI).

10%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

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

29.7 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 56461 in Laporte city, MN, a household would need roughly $66,000 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 $1,547. That sits below the local median household income ($77,692), 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

Vacancy rate 35% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
93.7%+43% vs US avg
x
Vacancy Rate
35.0%+240% vs US avg
x
Broadband Access
87.6%+1% vs US avg
x
4+ Bedrooms
4.9%-67% vs US avg
x
Built Pre-1939
3.7%-71% vs US avg
x
Built Post-2014
1.1%-84% vs US avg
x
Rent Burden >30%
7.3%-85% vs US avg
x
Mortgage-Free
43.1%+13% vs US avg
x
$240,900
Home Value
$675
Rent
1989
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 detached86.9%
  • 1-unit attached0.4%
  • 2-9 units0.0%
  • 10+ units0.1%
  • Mobile home & other12.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$240,900
Median rent$675
Owner-occupied93.7%
Vacant35.0%
Price-to-income3.1x
Est. income to buy$66,000