Real Estate Investing in Pemberton, Minnesota (56078)
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Should you buy in 56078 (Pemberton, 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 vacancy: 12.9% of homes vacant — above national norms.
• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Pemberton, MN (56078)?
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Market Analysis: 56078 Pemberton
ZIP 56078 in Pemberton, MN carries a solid set of headwinds. Home values near $255K and rents of $1,386/mo sit inside a market where underwriting has to be tight.
The 56078 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.
Nearby ZIPs in Pemberton have seen price recovery that 56078 has not matched. Waseca County data supports the view that the spread is structural rather than temporary.
Employment concentration in 56078 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.
leans 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 Pemberton:
Market Trends
Home Value History (with trend line)
📊 How Does 56078 Compare?
| Metric | 56078 | Pemberton | Mankato, MN | Minnesota |
|---|---|---|---|---|
| Home Value | $255,090 | $255,090 | N/A | $340,597 |
| 5-Year CAGR | 6.3% | 6.3% | N/A | 4.9% |
| Avg Rent | $1,386 | $1,386 | N/A | - |
| Cap Rate | 4.2% | 4.2% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 56078 (Pemberton, MN). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $255,090 |
| Monthly Rent | $1,386 |
| Price-to-Rent | 15.3:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.5% |
| Cap Rate | 4.2% |
| 5-Year IRR | 10.5% |
📈 Home Appreciation
| 1-Year | +10.5% ▲ |
| 3-Year CAGR | +6.2% ▲ |
| 5-Year CAGR | +6.3% ▲ |
| 10-Year CAGR | +6.6% ▲ |
🏠 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 (4.2%). 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 56078
Population: 494
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 is rent in Pemberton, MN?
Average rent in Pemberton, MN is approximately $1,386/mo per month. Against $255K home values that yields a reasonable rent-to-price ratio.
How expensive is real estate in Pemberton, MN?
Homes in Pemberton, MN typically sell near $255K. Prices have moved at a 0.0% 5-year CAGR, which even-keeled long-term demand.
How does Pemberton, MN stack up for property investment?
The 3.0/5 investability rating in Pemberton, MN reflects its $255K prices and $1,386/mo rents. Investors generally consider it a solid option within MN.
Can I house hack in Pemberton, MN?
House hacking in Pemberton, MN is a challenging. With home values around $255K and rents at $1,386/mo, owner-occupants can offset a meaningful share of PITI.
Should investors worry about vacancy in Pemberton, MN?
Vacancy risk in Pemberton, MN is elevated. That supports consistent cash flow for typical rental holds.
You know 56078 now. You don’t know where it ranks.
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How 56078 ranks in Mankato, MN
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