Real Estate Investing in Lonsdale, Minnesota (55046)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 55046 (Lonsdale, MN)? Our answer, based on the numbers below.
Solid choice — stable market with a reasonable entry point and good rental backup if you ever need to move.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
No major risk flags on the data we track.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Lonsdale, MN (55046)?
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Market Analysis: 55046 Lonsdale
Investors eyeing 55046 need to respect the fundamentals at play. Home values of $378K come alongside slower price movement and elevated management overhead.
For an experienced owner, 55046 can be a a viable market for hunting ground — but the discount at $378K reflects genuine risk that outside investors often underestimate.
From an investor standpoint, 55046 offers a low basis, the region around Lonsdale has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.
Demographically, 55046 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.
Experienced landlords with local relationships tend to find 55046 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.
Here's what matters if you're considering buying a home in Lonsdale:
Property Strategy for 55046
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $305,191 | $1,560 | 3.7% | +5.5% | $152,596 |
| 3BR | $359,803 | $2,020 | 4.0% | +6.0% | $119,934 |
| 4BR | $403,598 | $2,620 | 4.7% | +6.0% | $100,900 |
| 5BR | $417,045 | — | — | +6.1% | $83,409 |
Market Trends
Home Value History (with trend line)
📊 How Does 55046 Compare?
| Metric | 55046 | Lonsdale | Faribault-Northfield, MN | Minnesota |
|---|---|---|---|---|
| Home Value | $377,644 | $377,644 | N/A | $340,597 |
| 5-Year CAGR | 4.2% | 4.2% | N/A | 4.9% |
| Avg Rent | $1,404 | $1,404 | N/A | - |
| Cap Rate | 2.9% | 2.9% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 55046 (Lonsdale, MN). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $377,644 |
| Monthly Rent | $1,404 |
| Price-to-Rent | 22.4:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.5% |
| Cap Rate | 2.9% |
| 5-Year IRR | 7.1% |
📈 Home Appreciation
| 1-Year | +4.3% ▲ |
| 3-Year CAGR | +3.5% ▲ |
| 5-Year CAGR | +4.2% ▲ |
| 10-Year CAGR | +5.9% ▲ |
🏠 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 (2.9%). 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 55046
Population: 6,030
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 55046
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 is the typical home price in Lonsdale, MN?
Lonsdale, MN home values average about $378K. That price point suits investors targeting rentals with $1,404/mo in monthly income.
Is Lonsdale, MN a smart market for rental property?
Investors tracking Lonsdale, MN will find a 3.0/5 rating supported by $378K median home values and $1,404/mo rents. That profile suits long-term holders targeting steady returns.
Should investors worry about vacancy in Lonsdale, MN?
Rental vacancy in Lonsdale, MN is elevated. Investors should budget normal turnover but not chronic empty units.
How strict are landlord regulations in Lonsdale, MN?
MN ranks as a balanced state for landlord-tenant law. Lonsdale generally follows the statewide framework, so landlords face reasonable operating rules.
What is the renter demographic in Lonsdale, MN?
Expect a solid tenant pool in Lonsdale, MN. The rental market absorbs $1,404/mo rents without meaningful friction.
You know 55046 now. You don’t know where it ranks.
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How 55046 ranks in Faribault-Northfield, MN
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