Real Estate Investing in Dilworth, Minnesota (56529)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Clay County • Population: 4,664 • Data updated: September 2026

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Should you buy in 56529 (Dilworth, MN)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (80/100)

Solid choice — stable market with a reasonable entry point and good rental backup if you ever need to move.

📈 For Investors
MIXED
3.0 / 5 (52/100)

A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
CLEAN

No major risk flags on the data we track.

What’s happening in Dilworth, MN (56529)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $295,606
Avg Monthly Rent $1,625
1% Rule ✗ Does Not Meet
Median Income $84,602
% Renters 20.7%

Market Analysis: 56529 Dilworth

This part of Clay County is not an easy win. The 56529 ZIP comes in at softness in key indicators, and the playbook that works in cleaner markets often stalls here.

For an experienced owner, 56529 can be a an appealing option for hunting ground — but the discount at $296K reflects genuine risk that outside investors often underestimate.

In the broader MN picture, 56529 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

A durable renter share of 21% in 56529 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.

Strategically, 56529 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Dilworth:

C+ Average
Buy Confidence Score: 68/100
Affordability
20/25
Appreciation
18/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.5× the median income
Value Trend
Rising (+3.8%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,625/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
⚖️
BALANCED MARKET
Fargo, ND-MN Metro Area
Even conditions for buyers and sellers
52 days
Average time to sell
Average
8.3%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Fargo, ND-MN metro data

Market Trends

Home Value History (with trend line)

$309K$276K$242K$208K$174K$140KJan 2009Oct 2017Jul 2026

Rent History (with trend line)

$1,662$1,654$1,646$1,638$1,630$1,622May 2026Jun 2026Jun 2026

📊 How Does 56529 Compare?

Metric 56529 Dilworth Fargo, ND-MN Minnesota
Home Value $295,606 $295,606 N/A $340,597
5-Year CAGR 4.3% 4.3% N/A 4.9%
Avg Rent $1,625 $1,625 N/A -
Cap Rate 4.3% 4.3% - -
💡 Why Invest in 56529? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 56529 (Dilworth, MN). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.3%
Fair
5yr Growth
+4.3%
Moderate

📊 Market Snapshot

Home Value $295,606
Monthly Rent $1,625
Price-to-Rent 15.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.6%
Cap Rate 4.3%
5-Year IRR 8.6%

📈 Home Appreciation

1-Year +3.8% ▲
3-Year CAGR +2.3% ▲
5-Year CAGR +4.3% ▲
10-Year CAGR +4.1% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.3%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.3%). 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.

Vacancy
4.0%
Low risk
Landlord Climate
3.0/5
Balanced
Value Trend (5yr)
+4.3%
Stable
Eviction process: Slow Rent control: Moderate

Demographics in 56529

Population: 4,664

💰 Median Household Income
$84,602
This area
$84,602
State
$77,168
USA
$74,580
🏠 Renter Occupied
20.7%
This area
20.7%
State
18.9%
USA
34.0%
💼 Unemployment Rate
0.8%
This area
0.8%
State
-3.2%
USA
3.7%
🎓 College Educated
38.9%
This area
38.9%
State
20.0%
USA
33.7%
👤 Median Age
39.3 years
This area
39.3 years
State
37.2 years
USA
38.9 years
🏚️ Vacancy Rate
4.0%
This area
4.0%
State
17.0%
USA
10.5%
👥 Population by Ethnicity
White 87.4%
Other/Mixed 7.1%
Hispanic/Latino 5.3%
Black/African American 5.1%
Asian 0.4%
👶 Under 18
23.9%
This area
23.9%
USA
22.0%
👴 65 and Over
12.2%
This area
12.2%
USA
17.3%
📊 Poverty Rate
9.8%
This area
9.8%
USA
11.5%

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 56529

A+ Avg School Grade
1 Schools
14.5:1 Avg Class Size
$25,517 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

Dilworth-Glyndon-Felton Elementary

📚 Pre-K – 04 Elementary
👥
624 Students
👨‍🏫
14.5:1 Class Size
💰
$25,517 Per Student
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.

🎓 Nearby Colleges & Universities

7 Nearby 632 Off-Campus Students
C+
Minnesota State University Moorhead
4,410 students · 3.1 mi
C+
Concordia College at Moorhead
1,868 students · 3.5 mi
C+
North Dakota State University-Main Campus
11,952 students · 5.0 mi
C
Lynnes Welding Training
36 students · 6.0 mi
C
Josef's School of Hair, Skin & Body-Fargo
74 students · 6.5 mi
C
Rasmussen University-North Dakota
44 students · 7.5 mi
C
The Salon Professional Academy-Fargo
173 students · 7.8 mi

Investor Insight: With 632 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

Is Dilworth, MN a good market for buy-and-hold investors?

Dilworth, MN rates 3.0/5 for investability. With median values at $296K and rents near $1,625/mo, the market offers reasonable fundamentals for rental investors.

How high is vacancy risk in Dilworth, MN?

Dilworth, MN sees elevated vacancy, which is reasonable relative to the broader MN rental market.

Is the tenant base reliable in Dilworth, MN?

Dilworth, MN offers a steady renter base at the $1,625/mo rent level. Tenant turnover is reasonable for well-managed properties.

Does house hacking make sense in Dilworth, MN?

The a challenging house-hack environment in Dilworth, MN reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.

How do experienced investors play Dilworth, MN?

Dilworth, MN investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($296K prices, $1,625/mo rents) make it a reasonable choice.

You know 56529 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 56529 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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How 56529 ranks in Fargo, ND-MN

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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