Real Estate Investing in Utica, Minnesota

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

1 ZIP codes • Population: 1,138 • Winona County

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Should you buy in Utica, MN? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (59/100)

Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
CLEAN

No major risk flags on the data we track.

What’s happening in Utica, MN?

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3.0/ 5

Investability

Citywide average

3.0/ 5

Appreciation

4.2% 5yr CAGR

3.0/ 5

Landlord Climate

Regulatory friendliness

🏦 30-yr Fixed Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS
Avg Investability
Avg Home Value $398,145
Avg Monthly Rent $1,287
ZIP Codes 1

Investing in Utica Real Estate

Utica, MN covers 1 ZIP codes and a population but the investment metrics here are subdued — this is not a market to enter casually.

The investment case for Utica is difficult to make on screen data alone. a challenging fit for a 3.0 rating and a cap rate of 0.0% that looks fine only until you underwrite the vacancy.

plainly Utica's sale market has not rewarded patience. a stretch for listings sit longer, price cuts are common, and rent growth has been flat to negative in multiple ZIPs.

Population dynamics in Utica haven't been supportive. less favorable for combined with modest income growth, the demographic backdrop complicates any purely financial underwriting.

A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Best ZIP codes in Winona, MN

Utica is part of this metro. Every ZIP in it, ranked. Free.

Cash Flow → Appreciation → Affordable →

Landlord Ground Truth

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Avg Home Value
$398,145
Avg Monthly Rent
$1,287
1% Rule
✗ Below
Landlord Friendly (MN)

📉 Market Crash Risk Index

Based on Winona, MN metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
30%
Days Pending
0/2
0 days

View all metro crash risk rankings →

☀️ Warm Market — Winona, MN metro
0
Days to pending
7.4%
Listings with price cuts
0.0%
Sale-to-list ratio
📅 Data as of August 29, 2026 — updated weekly

ZIP Codes in Utica, MN

Screen every ZIP in Utica

Filter Utica’s ZIPs by cap rate, vacancy, appreciation and 30+ more criteria, and export your shortlist to CSV — with the Investor plan ($19/mo).

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Frequently Asked Questions About Utica, MN

What price range are homes in Utica, MN?

Median home price in Utica, MN is near $398K, with a 5-year CAGR of 0.0%. Prices have been measured and supportive of buy-and-hold strategies.

How deep is the rental pool in Utica, MN?

Expect a solid tenant pool in Utica, MN. The rental market absorbs $1,287/mo rents without meaningful friction.

How strict are landlord regulations in Utica, MN?

Utica, MN operates under MN law, which is balanced overall for landlords. Expect measured treatment in typical lease and eviction cases.

Can owner-occupants cash flow in Utica, MN?

Utica, MN offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $1,287/mo rent level.

How does Utica, MN rate as a rental market?

Utica, MN rates 3.0/5 for investability. With median values at $398K and rents near $1,287/mo, the market offers reasonable fundamentals for rental investors.

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