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International Falls city, MN

ZIP 56649 — 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 56649

Median Home Value
$143,600
Median Rent
$577
Affordability Snapshot
$40,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$922/mo PITI).

10%
Rent-to-Income Ratio

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

2.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.7 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 56649 in International Falls city, MN, a household would need roughly $40,000 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 $922. That sits below the local median household income ($70,348), 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 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
80.5%+23% vs US avg
x
Vacancy Rate
15.8%+53% vs US avg
x
Broadband Access
89.2%+2% vs US avg
x
4+ Bedrooms
3.0%-80% vs US avg
x
Built Pre-1939
6.9%-46% vs US avg
x
Built Post-2014
0.7%-91% vs US avg
x
Rent Burden >30%
19.5%-61% vs US avg
x
Mortgage-Free
44.6%+17% vs US avg
x
$143,600
Home Value
$577
Rent
1971
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 detached81.7%
  • 1-unit attached1.3%
  • 2-9 units4.9%
  • 10+ units5.9%
  • Mobile home & other6.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$143,600
Median rent$577
Owner-occupied80.5%
Vacant15.8%
Price-to-income2.0x
Est. income to buy$40,000