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Hallock city, MN

ZIP 56728 — 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 56728

Median Home Value
$157,000
Median Rent
$826
Affordability Snapshot
$43,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,009/mo PITI).

14%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

15.8 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 56728 in Hallock city, MN, a household would need roughly $43,000 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 $1,009. That sits below the local median household income ($70,750), 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 23% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
81.8%+25% vs US avg
x
Vacancy Rate
23.1%+124% vs US avg
x
Broadband Access
89.7%+3% vs US avg
x
4+ Bedrooms
6.2%-58% vs US avg
x
Built Pre-1939
5.9%-54% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
14.8%-70% vs US avg
x
Mortgage-Free
53.7%+40% vs US avg
x
$157,000
Home Value
$826
Rent
1964
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 detached79.5%
  • 1-unit attached3.8%
  • 2-9 units10.0%
  • 10+ units4.5%
  • Mobile home & other2.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$157,000
Median rent$826
Owner-occupied81.8%
Vacant23.1%
Price-to-income2.2x
Est. income to buy$43,000