Real Estate Investing in Chisago City, Minnesota (55013)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 55013 (Chisago City, MN)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- Elevated vacancy: 10.4% vacancy may signal weakening demand.
- High price-to-rent: Price-to-rent ratio 27.0 — hard to cash-flow at these prices.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Chisago City, MN (55013)?
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Market Analysis: 55013 Chisago City
The 55013 ZIP covers a section of Chisago City that demands careful diligence. Prices near $443K look accessible, but the work to make a deal cash flow is real.
Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 55013 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.
ZIP 55013's metrics run below Chisago County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.
The demographic picture in 55013 includes headwinds that any investor should price in. Income distribution skews lower than Chisago City averages, and tenant stability requires active management.
Strategy in 55013 is an operator game, not a passive one. Looking more closely, entry prices of $443K are inviting, the management lift is real and non-optional.
Here's what matters if you're considering buying a home in Chisago City:
Property Strategy for 55013
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $371,470 | $1,520 | 2.9% | +5.1% | $185,735 |
| 3BR | $430,165 | $2,020 | 3.4% | +5.6% | $143,388 |
| 4BR | $507,856 | $2,270 | 3.2% | +6.4% | $126,964 |
| 5BR | $522,806 | — | — | +5.9% | $104,561 |
Market Trends
Home Value History (with trend line)
📊 How Does 55013 Compare?
| Metric | 55013 | Chisago City | Minnesota |
|---|---|---|---|
| Home Value | $443,243 | $443,243 | $340,597 |
| 5-Year CAGR | 2.8% | 2.8% | 4.9% |
| Avg Rent | $1,368 | $1,368 | - |
| Cap Rate | 2.4% | 2.4% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 55013 (Chisago City, MN). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $443,243 |
| Monthly Rent | $1,368 |
| Price-to-Rent | 27.0:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.7% |
| Cap Rate | 2.4% |
| 5-Year IRR | 5.3% |
📈 Home Appreciation
| 1-Year | +4.3% ▲ |
| 3-Year CAGR | +2.0% ▲ |
| 5-Year CAGR | +2.8% ▲ |
| 10-Year CAGR | +6.2% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.4%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 55013
Population: 7,030
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Schools in 55013
Schools in This ZIP Code
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
🎓 Nearby Colleges & Universities
Frequently Asked Questions
What monthly rent should investors expect in Chisago City, MN?
Rent in Chisago City, MN is around $1,368/mo. The resulting rent-to-value relationship with $443K pricing is reasonable for most investor models.
How should investors approach Chisago City, MN?
Investors who focus on careful cash-flow rentals with hands-on management typically do well in Chisago City, MN. The numbers - $443K homes against $1,368/mo rents - support that play.
How strong is Chisago City, MN for real estate investors?
Yes - Chisago City, MN a 3.0/5 investability score. With $443K home prices against $1,368/mo monthly rent, the market delivers a reasonable entry point for new investors.
Are there empty rentals in Chisago City, MN?
Expect elevated vacancy in Chisago City, MN. Rents at $1,368/mo are absorbed by the tenant base without meaningful lag.
Is Chisago City, MN landlord-friendly?
Rental owners in Chisago City, MN deal with a balanced legal framework. Most standard eviction processes run on reasonable timelines.
You know 55013 now. You don’t know where it ranks.
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How 55013 ranks in Minneapolis-St. Paul-Bloomington, MN-WI
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