Real Estate Investing in Cromwell, Minnesota (55726)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 55726 (Cromwell, 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.
- High vacancy: 41.5% of homes vacant — above national norms.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Cromwell, MN (55726)?
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Market Analysis: 55726 Cromwell
The 55726 ZIP covers a section of Cromwell that demands careful diligence. Prices near $268K look accessible, but the work to make a deal cash flow is real.
From an investor standpoint, the numbers look inviting — $268K purchase price, 0.0% nominal cap — the work to hit that pro forma in 55726 is substantial and deserves full respect.
In the broader MN picture, 55726 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.
Demographically, 55726 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.
Experienced landlords with local relationships tend to find 55726 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.
Here's what matters if you're considering buying a home in Cromwell:
Market Trends
Home Value History (with trend line)
📊 How Does 55726 Compare?
| Metric | 55726 | Cromwell | Duluth, MN-WI | Minnesota |
|---|---|---|---|---|
| Home Value | $268,305 | $268,305 | N/A | $340,597 |
| 5-Year CAGR | 4.2% | 4.2% | N/A | 4.9% |
| Avg Rent | $1,026 | $1,026 | N/A | - |
| Cap Rate | 3.0% | 3.0% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 55726 (Cromwell, MN). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $268,305 |
| Monthly Rent | $1,026 |
| Price-to-Rent | 21.8:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.6% |
| Cap Rate | 3.0% |
| 5-Year IRR | 7.2% |
📈 Home Appreciation
| 1-Year | +7.5% ▲ |
| 3-Year CAGR | +2.5% ▲ |
| 5-Year CAGR | +4.2% ▲ |
| 10-Year CAGR | +5.6% ▲ |
🏠 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 55726
Population: 1,065
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 55726
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 Cromwell, MN better for rentals, flips, or BRRRR?
The best-fit strategy in Cromwell, MN is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.
Are homes affordable in Cromwell, MN?
Expect median prices around $268K in Cromwell, MN. The market has run at a 0.0% 5-year CAGR, so entry costs have been steady.
Does Cromwell, MN make sense for an investment property?
Yes - Cromwell, MN a 3.0/5 investability score. With $268K home prices against $1,026/mo monthly rent, the market delivers a reasonable entry point for new investors.
How do landlord-tenant laws work in Cromwell, MN?
Landlord-friendliness in Cromwell, MN is balanced. Eviction timelines and lease enforcement are considered reasonable by most property managers.
Do rentals sit vacant long in Cromwell, MN?
Cromwell, MN vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.
You know 55726 now. You don’t know where it ranks.
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How 55726 ranks in Duluth, MN-WI
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