Real Estate Investing in Zumbro Falls, Minnesota (55991)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 55991 (Zumbro Falls, 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: 8.6% vacancy may signal weakening demand.
- High price-to-rent: Price-to-rent ratio 34.5 — 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 Zumbro Falls, MN (55991)?
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Market Analysis: 55991 Zumbro Falls
This part of Wabasha County is not an easy win. The 55991 ZIP comes in at softness in key indicators, and the playbook that works in cleaner markets often stalls here.
The 55991 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.
In the broader MN picture, 55991 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.
Demographically, 55991 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.
tilts toward the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.
Here's what matters if you're considering buying a home in Zumbro Falls:
Market Trends
Home Value History (with trend line)
📊 How Does 55991 Compare?
| Metric | 55991 | Zumbro Falls | Rochester, MN | Minnesota |
|---|---|---|---|---|
| Home Value | $450,166 | $450,166 | N/A | $340,597 |
| 5-Year CAGR | 8.1% | 8.1% | N/A | 4.9% |
| Avg Rent | $1,089 | $1,089 | N/A | - |
| Cap Rate | 1.9% | 1.9% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 55991 (Zumbro Falls, MN). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $450,166 |
| Monthly Rent | $1,089 |
| Price-to-Rent | 34.5:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 2.9% |
| Cap Rate | 1.9% |
| 5-Year IRR | 10.0% |
📈 Home Appreciation
| 1-Year | +14.1% ▲ |
| 3-Year CAGR | +10.2% ▲ |
| 5-Year CAGR | +8.1% ▲ |
| 10-Year CAGR | +8.3% ▲ |
🏠 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 (1.9%). 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 55991
Population: 1,474
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
Frequently Asked Questions
How much does a house cost in Zumbro Falls, MN?
Zumbro Falls, MN home values average about $450K. That price point suits investors targeting rentals with $1,089/mo in monthly income.
Can owner-occupants cash flow in Zumbro Falls, MN?
For house hackers, Zumbro Falls, MN is a challenging. The $1,089/mo rent on a unit helps defray the mortgage on a $450K property.
How deep is the rental pool in Zumbro Falls, MN?
Tenant quality in Zumbro Falls, MN ranks as solid. Landlords generally report steady occupancy at market rents of $1,089/mo.
Should investors consider Zumbro Falls, MN?
Investors tracking Zumbro Falls, MN will find a 3.0/5 rating supported by $450K median home values and $1,089/mo rents. That profile suits long-term holders targeting measured returns.
How do landlord-tenant laws work in Zumbro Falls, MN?
Zumbro Falls, MN operates under MN law, which is balanced overall for landlords. Expect even-keeled treatment in typical lease and eviction cases.
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How 55991 ranks in Rochester, MN
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