Real Estate Investing in Winthrop, Minnesota (55396)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 55396 (Winthrop, 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.
- Elevated vacancy: 11.5% 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 Winthrop, MN (55396)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 55396 Winthrop
The 55396 ZIP in Winthrop, MN is a local-operator market. Outside capital chasing a $240K entry has to pair deep knowledge with the discount.
Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 55396 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.
The gap between 55396 and stronger Winthrop ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
Who lives in 55396 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.
New investors are better served looking at Winthrop's stable or hybrid ZIPs before stepping into 55396. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Winthrop:
Market Trends
Home Value History (with trend line)
📊 How Does 55396 Compare?
| Metric | 55396 | Winthrop | Minnesota |
|---|---|---|---|
| Home Value | $240,323 | $240,323 | $340,597 |
| 5-Year CAGR | 3.5% | 3.5% | 4.9% |
| Avg Rent | $873 | $873 | - |
| Cap Rate | 2.8% | 2.8% | - |
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 55396 (Winthrop, MN). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $240,323 |
| Monthly Rent | $873 |
| Price-to-Rent | 22.9:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.4% |
| Cap Rate | 2.8% |
| 5-Year IRR | 6.3% |
📈 Home Appreciation
| 1-Year | +10.3% ▲ |
| 3-Year CAGR | +3.2% ▲ |
| 5-Year CAGR | +3.5% ▲ |
| 10-Year CAGR | +5.7% ▲ |
🏠 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 (2.8%). 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 55396
Population: 2,162
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 55396
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
Is housing expensive in Winthrop, MN?
Expect median prices around $240K in Winthrop, MN. The market has run at a 0.0% 5-year CAGR, so entry costs have been reliable.
What do rentals go for in Winthrop, MN?
Winthrop, MN rentals go for roughly $873/mo a month. That puts gross yield in solid territory relative to $240K acquisition costs.
How qualified is the tenant pool in Winthrop, MN?
Winthrop, MN draws a even-keeled base of working renters. Demand at the $873/mo rent level is reasonable for standard single-family and small multi rentals.
Does house hacking work in Winthrop, MN?
For house hackers, Winthrop, MN is a challenging. The $873/mo rent on a unit helps defray the mortgage on a $240K property.
How strict are landlord regulations in Winthrop, MN?
For rental operators, Winthrop, MN rates as balanced. The regulatory environment standard buy-and-hold operations.
You know 55396 now. You don’t know where it ranks.
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