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Hawley city, MN

ZIP 56549 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 56549

Median Home Value
$317,500
Median Rent
$677
Affordability Snapshot
$87,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,040/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.

39.1 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 56549 in Hawley city, MN, a household would need roughly $87,000 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 $2,040. That sits below the local median household income ($100,326), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
83.7%+28% vs US avg
x
Vacancy Rate
6.0%-42% vs US avg
x
Broadband Access
88.6%+2% vs US avg
x
4+ Bedrooms
14.6%-1% vs US avg
x
Built Pre-1939
2.1%-83% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
4.5%-91% vs US avg
x
Mortgage-Free
39.9%+4% vs US avg
x
$317,500
Home Value
$677
Rent
1979
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 detached80.1%
  • 1-unit attached2.3%
  • 2-9 units1.9%
  • 10+ units10.7%
  • Mobile home & other5.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$317,500
Median rent$677
Owner-occupied83.7%
Vacant6.0%
Price-to-income3.2x
Est. income to buy$87,000