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Baker CDP, MN

ZIP 56580 — 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 56580

Median Home Value
$268,200
Median Rent
$650
Affordability Snapshot
$74,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,723/mo PITI).

8%
Rent-to-Income Ratio

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

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

34.4 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 56580 in Baker CDP, MN, a household would need roughly $74,000 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 $1,723. That sits below the local median household income ($101,477), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
94.4%+44% vs US avg
x
Vacancy Rate
2.8%-73% vs US avg
x
Broadband Access
91.8%+5% vs US avg
x
4+ Bedrooms
13.6%-8% vs US avg
x
Built Pre-1939
2.4%-81% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
14.8%-70% vs US avg
x
Mortgage-Free
31.0%-19% vs US avg
x
$268,200
Home Value
$650
Rent
1973
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached94.2%
  • 1-unit attached1.8%
  • 2-9 units0.4%
  • 10+ units0.4%
  • Mobile home & other3.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$268,200
Median rent$650
Owner-occupied94.4%
Vacant2.8%
Price-to-income2.6x
Est. income to buy$74,000