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Deer Creek city, MN

ZIP 56527 — 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 56527

Median Home Value
$192,400
Median Rent
$575
Affordability Snapshot
$53,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,236/mo PITI).

11%
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.

27.9 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 56527 in Deer Creek city, MN, a household would need roughly $53,000 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 $1,236. That sits below the local median household income ($61,607), 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 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
87.5%+34% vs US avg
x
Vacancy Rate
14.3%+39% vs US avg
x
Broadband Access
82.7%-5% vs US avg
x
4+ Bedrooms
7.0%-53% vs US avg
x
Built Pre-1939
7.0%-45% vs US avg
x
Built Post-2014
0.5%-92% vs US avg
x
Rent Burden >30%
17.1%-66% vs US avg
x
Mortgage-Free
41.7%+9% vs US avg
x
$192,400
Home Value
$575
Rent
1972
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached89.3%
  • 1-unit attached0.3%
  • 2-9 units0.0%
  • 10+ units5.2%
  • Mobile home & other5.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$192,400
Median rent$575
Owner-occupied87.5%
Vacant14.3%
Price-to-income3.1x
Est. income to buy$53,000