Real Estate Investing in Zumbrota, Minnesota (55992)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 55992 (Zumbrota, MN)? Our answer, based on the numbers below.
Solid choice — stable market with a reasonable entry point and good rental backup if you ever need to move.
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 32.1 — 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 Zumbrota, MN (55992)?
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Market Analysis: 55992 Zumbrota
ZIP 55992 in Zumbrota, MN carries a sturdy set of headwinds. Home values near $336K and rents of $873/mo sit inside a market where underwriting has to be tight.
The 55992 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.
The gap between 55992 and stronger Zumbrota ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
Demographically, 55992 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.
The 55992 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 Zumbrota:
Property Strategy for 55992
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $277,444 | $970 | 2.5% | +5.6% | $138,722 |
| 3BR | $297,810 | $1,350 | 3.3% | +5.6% | $99,270 |
| 4BR | $371,971 | $1,640 | 3.2% | +5.9% | $92,993 |
Market Trends
Home Value History (with trend line)
📊 How Does 55992 Compare?
| Metric | 55992 | Zumbrota | Red Wing, MN | Minnesota |
|---|---|---|---|---|
| Home Value | $336,140 | $336,140 | N/A | $340,597 |
| 5-Year CAGR | 4.3% | 4.3% | N/A | 4.9% |
| Avg Rent | $873 | $873 | N/A | - |
| Cap Rate | 2.0% | 2.0% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 55992 (Zumbrota, MN). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $336,140 |
| Monthly Rent | $873 |
| Price-to-Rent | 32.1:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.1% |
| Cap Rate | 2.0% |
| 5-Year IRR | 6.4% |
📈 Home Appreciation
| 1-Year | +4.1% ▲ |
| 3-Year CAGR | +3.0% ▲ |
| 5-Year CAGR | +4.3% ▲ |
| 10-Year CAGR | +6.0% ▲ |
🏠 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 (2.0%). 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 55992
Population: 5,547
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 55992
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 Zumbrota, MN good for landlords?
The landlord environment in Zumbrota, MN is balanced. Statewide rules shape most day-to-day operations for rental owners.
Are tenants stable in Zumbrota, MN?
Tenant demand in Zumbrota, MN is solid. The local workforce $873/mo rents across most rental classes.
Are homes affordable in Zumbrota, MN?
In Zumbrota, MN the median home value sits at $336K. Against the broader MN market, that reads as reasonable for most investors.
Which investment style suits Zumbrota, MN?
Zumbrota, MN investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($336K prices, $873/mo rents) make it a reasonable choice.
Does Zumbrota, MN make sense for an investment property?
Investors tracking Zumbrota, MN will find a 3.0/5 rating supported by $336K median home values and $873/mo rents. That profile suits long-term holders targeting predictable returns.
You know 55992 now. You don’t know where it ranks.
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How 55992 ranks in Red Wing, MN
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