Real Estate Investing in Rose Creek, Minnesota (55970)
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Should you buy in 55970 (Rose Creek, 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 price-to-rent: Price-to-rent ratio 29.0 — 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 Rose Creek, MN (55970)?
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Market Analysis: 55970 Rose Creek
The 55970 ZIP in Rose Creek, MN is a local-operator market. Outside capital chasing a $304K entry has to pair deep knowledge with the discount.
On balance, the numbers look inviting — $304K purchase price, 0.0% nominal cap — the work to hit that pro forma in 55970 is substantial and deserves full respect.
Statewide comparisons place 55970 among MN's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.
A impressive renter share of 9% in 55970 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.
Strategically, 55970 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.
Here's what matters if you're considering buying a home in Rose Creek:
Market Trends
Home Value History (with trend line)
📊 How Does 55970 Compare?
| Metric | 55970 | Rose Creek | Austin, MN | Minnesota |
|---|---|---|---|---|
| Home Value | $303,820 | $303,820 | N/A | $340,597 |
| 5-Year CAGR | 6.9% | 6.9% | N/A | 4.9% |
| Avg Rent | $873 | $873 | N/A | - |
| Cap Rate | 2.2% | 2.2% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 55970 (Rose Creek, MN). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $303,820 |
| Monthly Rent | $873 |
| Price-to-Rent | 29.0:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.5% |
| Cap Rate | 2.2% |
| 5-Year IRR | 9.2% |
📈 Home Appreciation
| 1-Year | +6.4% ▲ |
| 3-Year CAGR | +6.8% ▲ |
| 5-Year CAGR | +6.9% ▲ |
| 10-Year CAGR | +7.8% ▲ |
🏠 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 (2.2%). 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 55970
Population: 1,058
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 1,454 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
Where do home prices stand in Rose Creek, MN?
In Rose Creek, MN the median home value sits at $304K. Against the broader MN market, that reads as reasonable for most investors.
Are there empty rentals in Rose Creek, MN?
Expect elevated vacancy in Rose Creek, MN. Rents at $873/mo are absorbed by the tenant base without meaningful lag.
Is it easy to find good tenants in Rose Creek, MN?
Rose Creek, MN draws a steady base of working renters. Demand at the $873/mo rent level is reasonable for standard single-family and small multi rentals.
Is Rose Creek, MN suited for a house hack?
Rose Creek, MN offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $873/mo rent level.
Are eviction rules reasonable in Rose Creek, MN?
The landlord environment in Rose Creek, MN is balanced. Statewide rules shape most day-to-day operations for rental owners.
You know 55970 now. You don’t know where it ranks.
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How 55970 ranks in Austin, MN
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