Real Estate Investing in Saint Francis, Minnesota (55070)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 55070 (Saint Francis, 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.
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 Saint Francis, MN (55070)?
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Market Analysis: 55070 Saint Francis
Not every below-median market is a bargain. Saint Francis's 55070 ZIP clocks in at signals that favor experienced operators who can absorb the risk $356K pricing implies.
From an investor standpoint, the numbers look inviting — $356K purchase price, 0.0% nominal cap — the work to hit that pro forma in 55070 is substantial and deserves full respect.
Nearby ZIPs in Saint Francis have seen price recovery that 55070 has not matched. Anoka County data supports the view that the spread is structural rather than temporary.
A sturdy renter share of 13% in 55070 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.
Distressed ZIPs reward experience. solid returns are possible in 55070, 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 Saint Francis:
Property Strategy for 55070
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $288,211 | $1,520 | 3.8% | +5.9% | $144,105 |
| 3BR | $341,456 | $2,020 | 4.3% | +5.9% | $113,819 |
| 4BR | $376,024 | $2,270 | 4.3% | +5.8% | $94,006 |
| 5BR | $434,033 | — | — | +5.8% | $86,807 |
Market Trends
Home Value History (with trend line)
📊 How Does 55070 Compare?
| Metric | 55070 | Saint Francis | Minnesota |
|---|---|---|---|
| Home Value | $356,095 | $356,095 | $340,597 |
| 5-Year CAGR | 3.4% | 3.4% | 4.9% |
| Avg Rent | $1,368 | $1,368 | - |
| Cap Rate | 3.0% | 3.0% | - |
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 55070 (Saint Francis, MN). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $356,095 |
| Monthly Rent | $1,368 |
| Price-to-Rent | 21.7:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.6% |
| Cap Rate | 3.0% |
| 5-Year IRR | 6.4% |
📈 Home Appreciation
| 1-Year | +3.4% ▲ |
| 3-Year CAGR | +2.6% ▲ |
| 5-Year CAGR | +3.4% ▲ |
| 10-Year CAGR | +6.0% ▲ |
🏠 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 (3.0%). 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 55070
Population: 8,403
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 55070
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 694 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
What strategy should investors use in Saint Francis, MN?
For Saint Francis, MN, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.
Is it easy to find good tenants in Saint Francis, MN?
Working renters make up the core of the Saint Francis, MN tenant base. The pool is reasonable for investors targeting long-term holds.
What is the rental occupancy rate in Saint Francis, MN?
Vacancy risk in Saint Francis, MN is elevated. That supports consistent cash flow for typical rental holds.
Is Saint Francis, MN a good market for FHA house hackers?
The a challenging house-hack environment in Saint Francis, MN reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.
Is Saint Francis, MN a friendly market for rental owners?
The landlord environment in Saint Francis, MN is balanced. Statewide rules shape most day-to-day operations for rental owners.
You know 55070 now. You don’t know where it ranks.
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