Real Estate Investing in Mabel, Minnesota (55954)
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Should you buy in 55954 (Mabel, 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: 23.7% 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 Mabel, MN (55954)?
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Market Analysis: 55954 Mabel
This part of Fillmore County is not an easy win. The 55954 ZIP reports softness in key indicators, and the playbook that works in cleaner markets often stalls here.
If the plan assumes clean turnover, on-time rent, and low maintenance on a $226K asset, 55954 is the wrong submarket. If the plan prices in friction, the yield can still work.
Nearby ZIPs in Mabel have seen price recovery that 55954 has not matched. Fillmore County data supports the view that the spread is structural rather than temporary.
The demographic picture in 55954 includes headwinds that any investor should price in. Income distribution skews lower than Mabel averages, and tenant stability requires active management.
The 55954 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.
Here's what matters if you're considering buying a home in Mabel:
Property Strategy for 55954
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $162,114 | $1,080 | 4.8% | +6.2% | $81,057 |
| 3BR | $186,616 | $1,430 | 5.5% | +6.1% | $62,205 |
Market Trends
Home Value History (with trend line)
📊 How Does 55954 Compare?
| Metric | 55954 | Mabel | Rochester, MN | Minnesota |
|---|---|---|---|---|
| Home Value | $226,438 | $226,438 | N/A | $340,597 |
| 5-Year CAGR | 5.4% | 5.4% | N/A | 4.9% |
| Avg Rent | $972 | $972 | N/A | - |
| Cap Rate | 3.4% | 3.4% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 55954 (Mabel, MN). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $226,438 |
| Monthly Rent | $972 |
| Price-to-Rent | 19.4:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.2% |
| Cap Rate | 3.4% |
| 5-Year IRR | 8.8% |
📈 Home Appreciation
| 1-Year | +6.5% ▲ |
| 3-Year CAGR | +2.9% ▲ |
| 5-Year CAGR | +5.4% ▲ |
| 10-Year CAGR | +7.0% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (7.0%) exceeds the estimated cap rate (3.4%). 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 55954
Population: 1,408
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 55954
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 real estate in Mabel, MN a good investment right now?
Investors tracking Mabel, MN will find a 3.0/5 rating supported by $226K median home values and $972/mo rents. That profile suits long-term holders targeting steady returns.
Should investors worry about vacancy in Mabel, MN?
Mabel, MN carries elevated vacancy risk. Expect steady absorption at market rents of $972/mo.
Which investment style suits Mabel, MN?
Most investors in Mabel, MN run a careful cash-flow rentals with hands-on management strategy. It aligns with the 3.0/5 investability profile and the market fundamentals.
Is house hacking profitable in Mabel, MN?
The a challenging house-hack environment in Mabel, MN reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.
How strong is the working-renter base in Mabel, MN?
Mabel, MN offers a reliable renter base at the $972/mo rent level. Tenant turnover is reasonable for well-managed properties.
You know 55954 now. You don’t know where it ranks.
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How 55954 ranks in Rochester, MN
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