HousingHandbookReference data

U.S. ZIP Code · MN56386

Mille Lacs County · Minneapolis-St. Paul-Bloomington, MN-WI

Typical home value

$298,951[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+3.1%
5-year / yr
+5.1%
10-year / yr

Relative price

vs U.S.
+5.2%
vs metro
-21.7%
vs state
≈ state median
ZIP 56386 location in MN
Location of ZIP 56386 in MN

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 56386 is worth $298,951 — 21.7% below the Minneapolis-St. Paul-Bloomington, MN-WI median. Over the past year, values have risen 3.1%. The effective property tax rate is 0.9%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
[2]
Gross yield
[2]
Cap rate
[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
0.9%[3]
Typical annual tax
$2,619[3]

#Climate risk

FEMA National Risk Index ratings for Mille Lacs County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Very Low[4]
Riverine flood
Relatively Low
Coastal flood
Not Applicable
Wildfire
Relatively Low
Drought
Relatively Low
Heat wave
Very Low
Hurricane
Not Applicable
Tornado
Relatively Low
Earthquake
Very Low
Winter weather
Relatively Low

#Who lives here

Population
661[3]
Median household income
$54,583[3]

#Migration

Household moves in and out of Mille Lacs County over a year, from IRS tax-return data.

Net migration
+28[5]
Moved in
868
Moved out
840

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield
Net yield (after ~40% expenses)
Annual rent

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$1,512
Loan principal$239,161
Down payment$59,790
Total interest paid$305,037

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio
Monthly cost to own$1,980
Monthly rent

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
88th percentile[1]
Rental yield
[2]
Property tax
12th percentile[3]

Frequently asked

How much is a home worth in ZIP code 56386?
The typical home in 56386 is worth $298,951, based on the Zillow Home Value Index.
Are home values rising in 56386?
Home values in 56386 are up 3.1% over the past year, and up 5.1% a year over five years.
What is the property tax rate in 56386?
The effective property tax rate in 56386 is 0.9% — roughly $2,619 a year on a typical home.
Who lives in 56386?
ZIP code 56386 has a population of 661 and a median household income of $54,583.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

  • South St. Paul, MN

    Typical home
    $300,357
    Gross yield
    5.9%
  • St. Paul, MN

    Typical home
    $301,478
    Gross yield
    5.4%
  • Willernie, MN

    Typical home
    $301,959
    Gross yield
  • Vineland CDP, MN

    Typical home
    $295,588
    Gross yield
  • Brooklyn Center, MN

    Typical home
    $302,358
    Gross yield
  • Columbia Heights, MN

    Typical home
    $303,361
    Gross yield
    5.8%

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