Real Estate Investing in Utica, Minnesota (55979)
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Should you buy in 55979 (Utica, MN)? Our answer, based on the numbers below.
Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.
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 25.8 — 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 Utica, MN (55979)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 55979 Utica
This part of Winona County is not an easy win. The 55979 ZIP reflects softness in key indicators, and the playbook that works in cleaner markets often stalls here.
For an experienced owner, 55979 can be a worth a close look for hunting ground — but the discount at $398K reflects genuine risk that outside investors often underestimate.
Nearby ZIPs in Utica have seen price recovery that 55979 has not matched. Winona County data supports the view that the spread is structural rather than temporary.
On the rental side, 1,138 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.
Strategy in 55979 is an operator game, not a passive one. From an investor standpoint, entry prices of $398K are inviting, the management lift is real and non-optional.
Here's what matters if you're considering buying a home in Utica:
Market Trends
Home Value History (with trend line)
📊 How Does 55979 Compare?
| Metric | 55979 | Utica | Winona, MN | Minnesota |
|---|---|---|---|---|
| Home Value | $398,145 | $398,145 | N/A | $340,597 |
| 5-Year CAGR | 4.2% | 4.2% | N/A | 4.9% |
| Avg Rent | $1,287 | $1,287 | N/A | - |
| Cap Rate | 2.5% | 2.5% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 55979 (Utica, MN). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $398,145 |
| Monthly Rent | $1,287 |
| Price-to-Rent | 25.8:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.9% |
| Cap Rate | 2.5% |
| 5-Year IRR | 6.7% |
📈 Home Appreciation
| 1-Year | +0.1% ▲ |
| 3-Year CAGR | +3.1% ▲ |
| 5-Year CAGR | +4.2% ▲ |
| 10-Year CAGR | +5.3% ▲ |
🏠 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 (2.5%). 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 55979
Population: 1,138
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
Frequently Asked Questions
How much rent can I charge in Utica, MN?
Expect rents around $1,287/mo per month in Utica, MN. With home values at $398K, the yield math works out to reasonable levels for rental investors.
How deep is the rental pool in Utica, MN?
The renter base in Utica, MN is reasonable for the $1,287/mo price point. Screening well and pricing to market typically yields consistent tenants.
How strong is Utica, MN for real estate investors?
With a 3.0/5 investability score, Utica, MN ranks as a solid market for rental property investors. Median prices of $398K and rents of $1,287/mo drive the underlying numbers.
Are there empty rentals in Utica, MN?
Utica, MN vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.
What is the typical home price in Utica, MN?
Typical homes in Utica, MN go for around $398K. The 5-year CAGR of 0.0% measured price movement.
You know 55979 now. You don’t know where it ranks.
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How 55979 ranks in Winona, MN
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