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Ball Club CDP, MN

ZIP 56636 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 56636

Median Home Value
$195,200
Median Rent
$529
Affordability Snapshot
$54,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,254/mo PITI).

11%
Rent-to-Income Ratio

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

3.3x
Home Price-to-Income Ratio

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

30.7 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 56636 in Ball Club CDP, MN, a household would need roughly $54,000 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 $1,254. That is roughly in line with the local median household income ($59,858). 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
87.8%+34% vs US avg
x
Vacancy Rate
34.9%+239% vs US avg
x
Broadband Access
85.2%-2% vs US avg
x
4+ Bedrooms
2.7%-82% vs US avg
x
Built Pre-1939
5.0%-61% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
24.0%-52% vs US avg
x
Mortgage-Free
51.4%+35% vs US avg
x
$195,200
Home Value
$529
Rent
1983
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 detached82.8%
  • 1-unit attached0.3%
  • 2-9 units2.6%
  • 10+ units1.8%
  • Mobile home & other12.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$195,200
Median rent$529
Owner-occupied87.8%
Vacant34.9%
Price-to-income3.3x
Est. income to buy$54,000