Real Estate Investing in Stacy, Minnesota (55079)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 55079 (Stacy, 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 Stacy, MN (55079)?
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Market Analysis: 55079 Stacy
This part of Chisago County is not an easy win. The 55079 ZIP registers softness in key indicators, and the playbook that works in cleaner markets often stalls here.
For an experienced owner, 55079 can be a a viable market for hunting ground — but the discount at $428K reflects genuine risk that outside investors often underestimate.
Nearby ZIPs in Stacy have seen price recovery that 55079 has not matched. Chisago County data supports the view that the spread is structural rather than temporary.
A notable renter share of 5% in 55079 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.
leans the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.
Here's what matters if you're considering buying a home in Stacy:
Property Strategy for 55079
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $334,762 | $1,790 | 3.8% | +5.8% | $167,381 |
| 3BR | $410,550 | $2,370 | 4.2% | +6.3% | $136,850 |
| 4BR | $458,225 | $2,650 | 4.2% | +6.2% | $114,556 |
| 5BR | $507,066 | — | — | +6.8% | $101,413 |
Market Trends
Home Value History (with trend line)
📊 How Does 55079 Compare?
| Metric | 55079 | Stacy | Minnesota |
|---|---|---|---|
| Home Value | $427,800 | $427,800 | $340,597 |
| 5-Year CAGR | 3.9% | 3.9% | 4.9% |
| Avg Rent | $1,611 | $1,611 | - |
| 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 55079 (Stacy, MN). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $427,800 |
| Monthly Rent | $1,611 |
| Price-to-Rent | 22.1:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.5% |
| Cap Rate | 2.9% |
| 5-Year IRR | 6.8% |
📈 Home Appreciation
| 1-Year | +6.3% ▲ |
| 3-Year CAGR | +3.9% ▲ |
| 5-Year CAGR | +3.9% ▲ |
| 10-Year CAGR | +6.5% ▲ |
🏠 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 55079
Population: 8,840
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
🎓 Nearby Colleges & Universities
Frequently Asked Questions
What strategy should investors use in Stacy, MN?
For Stacy, MN, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.
How tight is the rental market in Stacy, MN?
Stacy, MN vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.
Is Stacy, MN landlord-friendly?
Stacy, MN operates under MN law, which is balanced overall for landlords. Expect steady treatment in typical lease and eviction cases.
What does house hacking look like in Stacy, MN?
Stacy, MN offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $1,611/mo rent level.
What is the tenant pool like in Stacy, MN?
Stacy, MN offers a predictable renter base at the $1,611/mo rent level. Tenant turnover is reasonable for well-managed properties.
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How 55079 ranks in Minneapolis-St. Paul-Bloomington, MN-WI
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