Real Estate Investing in Spring Valley, Minnesota (55975)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 55975 (Spring Valley, 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.
No major risk flags on the data we track.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Spring Valley, MN (55975)?
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Market Analysis: 55975 Spring Valley
This part of Fillmore County is not an easy win. The 55975 ZIP reports softness in key indicators, and the playbook that works in cleaner markets often stalls here.
Distressed markets are won on execution, not on spreadsheets. ZIP 55975 reports the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.
ZIP 55975's metrics run below Fillmore County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.
From an investor standpoint, 4,597 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.
The 55975 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 Spring Valley:
Property Strategy for 55975
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $202,916 | $1,220 | 4.3% | +6.5% | $101,458 |
| 3BR | $252,916 | $1,630 | 4.6% | +6.6% | $84,305 |
| 4BR | $301,472 | $1,650 | 3.9% | +7.0% | $75,368 |
Market Trends
Home Value History (with trend line)
📊 How Does 55975 Compare?
| Metric | 55975 | Spring Valley | Rochester, MN | Minnesota |
|---|---|---|---|---|
| Home Value | $271,705 | $271,705 | N/A | $340,597 |
| 5-Year CAGR | 4.0% | 4.0% | N/A | 4.9% |
| Avg Rent | $1,098 | $1,098 | N/A | - |
| Cap Rate | 3.2% | 3.2% | - | - |
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 55975 (Spring Valley, MN). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $271,705 |
| Monthly Rent | $1,098 |
| Price-to-Rent | 20.6:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.9% |
| Cap Rate | 3.2% |
| 5-Year IRR | 7.1% |
📈 Home Appreciation
| 1-Year | +2.2% ▲ |
| 3-Year CAGR | +1.7% ▲ |
| 5-Year CAGR | +4.0% ▲ |
| 10-Year CAGR | +6.1% ▲ |
🏠 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 (3.2%). 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 55975
Population: 4,597
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 55975
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
Are homes affordable in Spring Valley, MN?
Expect median prices around $272K in Spring Valley, MN. The market has run at a 0.0% 5-year CAGR, so entry costs have been steady.
Does house hacking make sense in Spring Valley, MN?
For house hackers, Spring Valley, MN is a challenging. The $1,098/mo rent on a unit helps defray the mortgage on a $272K property.
How do experienced investors play Spring Valley, MN?
Spring Valley, MN investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($272K prices, $1,098/mo rents) make it a reasonable choice.
What kind of market is Spring Valley, MN for investors?
Spring Valley, MN scores 3.0/5 for investability. Home values sit at $272K and rents near $1,098/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.
Are landlord laws favorable in Spring Valley, MN?
Spring Valley, MN falls under MN landlord-tenant law, which is balanced. That backdrop makes day-to-day property management reasonable.
You know 55975 now. You don’t know where it ranks.
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How 55975 ranks in Rochester, MN
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