Real Estate Investing in Pine City, Minnesota (55063)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 55063 (Pine 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.
- High vacancy: 20.9% of homes vacant — above national norms.
- High price-to-rent: Price-to-rent ratio 28.6 — 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 Pine City, MN (55063)?
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Market Analysis: 55063 Pine City
The 55063 ZIP covers a section of Pine City that demands careful diligence. Prices near $299K look accessible, but the work to make a deal cash flow is real.
Rent of $873/mo on a $299K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 55063 sits below the stated 0.0% once reality is priced in.
In the broader MN picture, 55063 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.
The 55063 ZIP's population of 9,270 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that reports the need for careful underwriting.
Experienced landlords with local relationships tend to find 55063 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 Pine City:
Property Strategy for 55063
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 1BR | $171,615 | $740 | 3.1% | +8.2% | $171,615 |
| 2BR | $251,320 | $970 | 2.8% | +8.8% | $125,660 |
| 3BR | $308,773 | $1,170 | 2.7% | +9.0% | $102,924 |
| 4BR | $361,160 | $1,290 | 2.6% | +9.5% | $90,290 |
| 5BR | $427,473 | — | — | +10.0% | $85,495 |
Market Trends
Home Value History (with trend line)
📊 How Does 55063 Compare?
| Metric | 55063 | Pine City | Minnesota |
|---|---|---|---|
| Home Value | $299,384 | $299,384 | $340,597 |
| 5-Year CAGR | 5.8% | 5.8% | 4.9% |
| Avg Rent | $873 | $873 | - |
| Cap Rate | 2.3% | 2.3% | - |
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 55063 (Pine City, MN). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $299,384 |
| Monthly Rent | $873 |
| Price-to-Rent | 28.6:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.5% |
| Cap Rate | 2.3% |
| 5-Year IRR | 8.1% |
📈 Home Appreciation
| 1-Year | +5.0% ▲ |
| 3-Year CAGR | +3.8% ▲ |
| 5-Year CAGR | +5.8% ▲ |
| 10-Year CAGR | +8.1% ▲ |
🏠 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 (2.3%). 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 55063
Population: 9,270
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 55063
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
Investor Insight: With 579 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
What is the average home sale price in Pine City, MN?
Pine City, MN median home values land near $299K. That is reasonable territory for investors looking at $873/mo-per-month rentals.
Is Pine City in MN worth investing in?
Pine City, MN rates 3.0/5 for investability. With median values at $299K and rents near $873/mo, the market offers reasonable fundamentals for rental investors.
What is the typical renter like in Pine City, MN?
The renter base in Pine City, MN is reasonable for the $873/mo price point. Screening well and pricing to market typically yields stable tenants.
What does house hacking look like in Pine City, MN?
House hacking in Pine City, MN is reasonable to execute. Prices around $299K and rents of $873/mo solid owner-occupant economics.
What is it like being a landlord in Pine City, MN?
The landlord environment in Pine City, MN is balanced. Statewide rules shape most day-to-day operations for rental owners.
You know 55063 now. You don’t know where it ranks.
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