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Humboldt city, MN

ZIP 56731 — Housing & Real Estate

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

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 56731

Median Home Value
$135,000
Median Rent
N/A
Affordability Snapshot
$37,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$867/mo PITI).

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

To comfortably buy a median-priced home in ZIP 56731 in Humboldt city, MN, a household would need roughly $37,000 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 $867. That sits below the local median household income ($58,750), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
96.9%+48% vs US avg
x
Vacancy Rate
7.3%-30% vs US avg
x
Broadband Access
67.2%-23% vs US avg
x
4+ Bedrooms
7.3%-51% vs US avg
x
Built Pre-1939
14.5%+13% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
58.1%+52% vs US avg
x
$135,000
Home Value
N/A
Rent
1972
Year Built
1989
Moved In

Residents have lived here since ~1989 on average

Housing Structure

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

  • 1-unit detached82.6%
  • 1-unit attached17.4%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$135,000
Median rent$-666,666,666
Owner-occupied96.9%
Vacant7.3%
Price-to-income2.3x
Est. income to buy$37,000