Real Estate Investing in Gaylord, Minnesota (55334)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Sibley County • Population: 2,777 • Data updated: September 2026

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Should you buy in 55334 (Gaylord, MN)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (66/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • Elevated vacancy: 9.3% vacancy may signal weakening demand.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Gaylord, MN (55334)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $259,072
Avg Monthly Rent $954
1% Rule ✗ Does Not Meet
Median Income $73,625
% Renters 28.1%

Market Analysis: 55334 Gaylord

Not every below-median market is a bargain. Gaylord's 55334 ZIP registers signals that favor experienced operators who can absorb the risk $259K pricing implies.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $259K asset, 55334 is the wrong submarket. If the plan prices in friction, the yield can still work.

Nearby ZIPs in Gaylord have seen price recovery that 55334 has not matched. Sibley County data supports the view that the spread is structural rather than temporary.

Employment concentration in 55334 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.

The right play in 55334 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Gaylord:

C+ Average
Buy Confidence Score: 66/100
Affordability
20/25
Appreciation
18/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.5× the median income
Value Trend
Rising (+9.2%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $954/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
☀️
WARM MARKET
Mankato, MN Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
11.6%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Mankato, MN metro data

Market Trends

Home Value History (with trend line)

$277K$233K$189K$146K$102K$58KJan 2012May 2019Jul 2026

📊 How Does 55334 Compare?

Metric 55334 Gaylord Mankato, MN Minnesota
Home Value $259,072 $259,072 N/A $340,597
5-Year CAGR 4.6% 4.6% N/A 4.9%
Avg Rent $954 $954 N/A -
Cap Rate 2.9% 2.9% - -
💡 Why Invest in 55334? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 55334 (Gaylord, MN). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.9%
Low
5yr Growth
+4.6%
Moderate

📉 Market Crash Risk Index

Based on Mankato, MN metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
43%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $259,072
Monthly Rent $954
Price-to-Rent 22.6:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.4%
Cap Rate 2.9%
5-Year IRR 7.5%

📈 Home Appreciation

1-Year +9.2% ▲
3-Year CAGR +4.5% ▲
5-Year CAGR +4.6% ▲
10-Year CAGR +6.7% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.9%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

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.

Vacancy
9.3%
Moderate risk
Landlord Climate
3.0/5
Balanced
Value Trend (5yr)
+4.6%
Stable
Eviction process: Slow Rent control: Moderate

Demographics in 55334

Population: 2,777

💰 Median Household Income
$73,625
This area
$73,625
State
$77,168
USA
$74,580
🏠 Renter Occupied
28.1%
This area
28.1%
State
18.9%
USA
34.0%
💼 Unemployment Rate
1.9%
This area
1.9%
State
-3.2%
USA
3.7%
🎓 College Educated
13.1%
This area
13.1%
State
20.0%
USA
33.7%
👤 Median Age
43.7 years
This area
43.7 years
State
37.2 years
USA
38.9 years
🏚️ Vacancy Rate
9.3%
This area
9.3%
State
17.0%
USA
10.5%
👥 Population by Ethnicity
White 78.4%
Other/Mixed 19.5%
Hispanic/Latino 18.2%
Asian 1.7%
Black/African American 0.3%
👶 Under 18
19.7%
This area
19.7%
USA
22.0%
👴 65 and Over
19.7%
This area
19.7%
USA
17.3%
📊 Poverty Rate
4.0%
This area
4.0%
USA
11.5%

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 55334

A Avg School Grade
1 Schools
12.3:1 Avg Class Size
$15,690 Avg Per Pupil

Schools in This ZIP Code

A Very Good

SIBLEY EAST-GAYLORD ELEMENTARY

📚 Pre-K – 05 Elementary
👥
484 Students
👨‍🏫
12.3:1 Class Size
💰
$15,690 Per Student
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

What is the investability score for Gaylord, MN?

The 3.0/5 investability rating in Gaylord, MN reflects its $259K prices and $954/mo rents. Investors generally consider it a solid option within MN.

What is the rental occupancy rate in Gaylord, MN?

Expect elevated vacancy in Gaylord, MN. Rents at $954/mo are absorbed by the tenant base without meaningful lag.

What kind of tenants rent in Gaylord, MN?

Tenant demand in Gaylord, MN is solid. The local workforce $954/mo rents across most rental classes.

Is MN a landlord-friendly state?

MN law balanced for landlords, and Gaylord inherits those rules. Investors should still review local ordinances for rental licensing.

Are rents high in Gaylord, MN?

Rental rates in Gaylord, MN average $954/mo. Tenant demand and $259K home values make the yield look reasonable by investor standards.

You know 55334 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 55334 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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How 55334 ranks in Mankato, MN

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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