Real Estate Investing in Monticello, Minnesota (55362)
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Should you buy in 55362 (Monticello, 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.
What’s happening in Monticello, MN (55362)?
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Market Analysis: 55362 Monticello
ZIP 55362 in Monticello, MN carries a significant set of headwinds. Home values near $364K and rents of $1,625/mo sit inside a market where underwriting has to be tight.
If the plan assumes clean turnover, on-time rent, and low maintenance on a $364K asset, 55362 is the wrong submarket. If the plan prices in friction, the yield can still work.
ZIP 55362's metrics run below Wright County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.
Demographically, 55362 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.
New investors are better served looking at Monticello's stable or hybrid ZIPs before stepping into 55362. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Monticello:
Property Strategy for 55362
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $288,473 | $1,690 | 4.2% | +5.3% | $144,236 |
| 3BR | $341,164 | $2,240 | 4.7% | +5.7% | $113,721 |
| 4BR | $386,417 | $2,500 | 4.7% | +5.6% | $96,604 |
| 5BR | $459,246 | — | — | +5.7% | $91,849 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 55362 Compare?
| Metric | 55362 | Monticello | Minnesota |
|---|---|---|---|
| Home Value | $363,682 | $363,682 | $340,597 |
| 5-Year CAGR | 3.3% | 3.3% | 4.9% |
| Avg Rent | $1,625 | $1,625 | - |
| Cap Rate | 3.5% | 3.5% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 55362 (Monticello, MN). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $363,682 |
| Monthly Rent | $1,625 |
| Price-to-Rent | 18.7:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.4% |
| Cap Rate | 3.5% |
| 5-Year IRR | 6.8% |
📈 Home Appreciation
| 1-Year | +3.9% ▲ |
| 3-Year CAGR | +2.5% ▲ |
| 5-Year CAGR | +3.3% ▲ |
| 10-Year CAGR | +5.8% ▲ |
🏠 Rent Trends
| 1-Year | -6.6% ▼ |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.5%). 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 55362
Population: 20,125
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 55362
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 strong is the working-renter base in Monticello, MN?
Tenant quality in Monticello, MN ranks as solid. Landlords generally report predictable occupancy at market rents of $1,625/mo.
Does Monticello, MN favor landlords or tenants?
For rental operators, Monticello, MN rates as balanced. The regulatory environment standard buy-and-hold operations.
What kind of vacancy should I budget for in Monticello, MN?
Expect elevated vacancy in Monticello, MN. Rents at $1,625/mo are absorbed by the tenant base without meaningful lag.
Which real estate strategy fits Monticello, MN?
For Monticello, MN, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.
What is the typical home price in Monticello, MN?
The median home value in Monticello, MN is roughly $364K. That puts it reasonable relative to the MN statewide average.
You know 55362 now. You don’t know where it ranks.
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How 55362 ranks in Minneapolis-St. Paul-Bloomington, MN-WI
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