Real Estate Investing in Winona, Minnesota (55925)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 55925 (Winona, 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: 9.9% vacancy may signal weakening demand.
- High price-to-rent: Price-to-rent ratio 32.8 — hard to cash-flow at these prices.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Winona, MN (55925)?
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Market Analysis: 55925 Winona
Turning to rents, ZIP 55925 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $343K median. It rewards specialists, not generalists.
Rent of $873/mo on a $343K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 55925 sits below the stated 0.0% once reality is priced in.
Within MN, ZIP 55925 trails on several market indicators that neighboring Winona County submarkets outperform. The gap is real and solid enough to shape underwriting.
The 55925 ZIP's population of 1,240 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that clocks in at the need for careful underwriting.
New investors are better served looking at Winona's stable or hybrid ZIPs before stepping into 55925. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Winona:
Property Strategy for 55925
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 3BR | $314,901 | $1,220 | 2.8% | +8.4% | $104,967 |
| 4BR | $395,887 | $1,410 | 2.6% | +7.9% | $98,972 |
Market Trends
Home Value History (with trend line)
📊 How Does 55925 Compare?
| Metric | 55925 | Winona | Winona, MN | Minnesota |
|---|---|---|---|---|
| Home Value | $343,050 | $301,654 | N/A | $340,597 |
| 5-Year CAGR | 6.8% | 6.4% | N/A | 4.9% |
| Avg Rent | $873 | $1,022 | N/A | - |
| Cap Rate | 2.0% | 2.7% | - | - |
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 55925 (Winona, MN). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $343,050 |
| Monthly Rent | $873 |
| Price-to-Rent | 32.8:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.1% |
| Cap Rate | 2.0% |
| 5-Year IRR | 8.8% |
📈 Home Appreciation
| 1-Year | +4.0% ▲ |
| 3-Year CAGR | +5.7% ▲ |
| 5-Year CAGR | +6.8% ▲ |
| 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 (2.0%). 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 55925
Population: 1,240
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
Investor Insight: With 3,190 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
Where do rents currently stand in Winona, MN?
Rents in Winona, MN run near $873/mo. Compared with median home prices of $343K that produces solid gross yields for typical rentals.
What are vacancy rates like in Winona, MN?
Rental vacancy in Winona, MN is elevated. Investors should budget normal turnover but not chronic empty units.
Is Winona in MN worth investing in?
With a 3.0/5 investability score, Winona, MN ranks as a solid market for rental property investors. Median prices of $343K and rents of $873/mo drive the underlying numbers.
What strategy should investors use in Winona, MN?
Winona, MN investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($343K prices, $873/mo rents) make it a reasonable choice.
Is Winona, MN good for house hacking?
House hacking in Winona, MN is reasonable to execute. Prices around $343K and rents of $873/mo solid owner-occupant economics.
You know 55925 now. You don’t know where it ranks.
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How 55925 ranks in Winona, MN
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