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St. Hilaire city, MN

ZIP 56754 — 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 56754

Median Home Value
$197,100
Median Rent
$695
Affordability Snapshot
$54,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,266/mo PITI).

11%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

23.6 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 56754 in St. Hilaire city, 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 $1,266. That sits below the local median household income ($79,063), 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
87.1%+33% vs US avg
x
Vacancy Rate
8.3%-19% vs US avg
x
Broadband Access
88.6%+2% vs US avg
x
4+ Bedrooms
8.7%-41% vs US avg
x
Built Pre-1939
1.8%-86% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
59.6%+56% vs US avg
x
$197,100
Home Value
$695
Rent
1976
Year Built
2004
Moved In

Residents have lived here since ~2004 on average

Housing Structure

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

  • 1-unit detached79.0%
  • 1-unit attached0.4%
  • 2-9 units3.1%
  • 10+ units1.3%
  • Mobile home & other16.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$197,100
Median rent$695
Owner-occupied87.1%
Vacant8.3%
Price-to-income2.5x
Est. income to buy$54,000