Real Estate Investing in Medford, Minnesota (55049)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 55049 (Medford, 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.
- High price-to-rent: Price-to-rent ratio 25.4 — 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 Medford, MN (55049)?
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Market Analysis: 55049 Medford
Not every below-median market is a bargain. Medford's 55049 ZIP posts signals that favor experienced operators who can absorb the risk $320K pricing implies.
The investment case in 55049 is resilient only for operators who understand what they are buying. A $320K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.
The gap between 55049 and stronger Medford ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
Demographically, 55049 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.
Distressed ZIPs reward experience. substantial returns are possible in 55049, but they flow to investors who already understand how to operate in soft markets.
Here's what matters if you're considering buying a home in Medford:
Property Strategy for 55049
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 3BR | $258,657 | $1,590 | 4.4% | +7.0% | $86,219 |
| 4BR | $354,839 | $1,860 | 3.8% | +6.4% | $88,710 |
Market Trends
Home Value History (with trend line)
📊 How Does 55049 Compare?
| Metric | 55049 | Medford | Owatonna, MN | Minnesota |
|---|---|---|---|---|
| Home Value | $320,293 | $320,293 | N/A | $340,597 |
| 5-Year CAGR | 5.2% | 5.2% | N/A | 4.9% |
| Avg Rent | $1,053 | $1,053 | N/A | - |
| Cap Rate | 2.6% | 2.6% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 55049 (Medford, MN). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $320,293 |
| Monthly Rent | $1,053 |
| Price-to-Rent | 25.4:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.0% |
| Cap Rate | 2.6% |
| 5-Year IRR | 7.8% |
📈 Home Appreciation
| 1-Year | +4.9% ▲ |
| 3-Year CAGR | +4.2% ▲ |
| 5-Year CAGR | +5.2% ▲ |
| 10-Year CAGR | +6.9% ▲ |
🏠 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 (2.6%). 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 55049
Population: 2,634
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 55049
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.
Frequently Asked Questions
How high is vacancy risk in Medford, MN?
Medford, MN vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.
Are landlord laws favorable in Medford, MN?
MN ranks as a balanced state for landlord-tenant law. Medford generally follows the statewide framework, so landlords face reasonable operating rules.
How much rent can I charge in Medford, MN?
The typical rental in Medford, MN commands about $1,053/mo monthly. That rent profile stable cash flow against the $320K purchase basis.
Does a duplex house hack pencil in Medford, MN?
Medford, MN offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $1,053/mo rent level.
Does Medford, MN make sense for an investment property?
Investors tracking Medford, MN will find a 3.0/5 rating supported by $320K median home values and $1,053/mo rents. That profile suits long-term holders targeting consistent returns.
You know 55049 now. You don’t know where it ranks.
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