The story of this market
The typical home in ZIP 55972 sells for about $351,000, or $165 per square foot.
Prices are up +2.5% from a year ago, so sellers still have some momentum. Homes take about 45 days to sell. HUD's fair market rent for a two-bedroom is $1,011 a month.
ZIP 55972 — St. Charles
The housing market in 55972 is characterized by steady demand and limited inventory, with median prices reaching $351,000. While price growth has slowed compared to previous years, the area remains attractive to families due to its strong household income levels and small-town appeal. Market conditions are currently stable, with low vacancy rates and consistent interest from local buyers.
This ZIP is well-suited for families and individuals seeking a quiet, small-town lifestyle with a higher-than-average household income, while still maintaining access to regional employment hubs.
Median prices moved up 2.5% year over year.
Homes spend a median of 45 days on market with 3.2 months of supply — a fast-moving market.
12% of listings have cut prices · homes sell at 98.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 0.5% · poverty 4.8% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 7.4%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.5%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
ZCTA 55972, Winona County MN
ACS 2024 5-year estimates. Aggregate published statistics for this ZIP — never individual records, and never an attribute of any individual property or resident.
Local schools in the St. Charles area are generally regarded as stable, serving the community with standard public education offerings.
The region is subject to standard Midwestern climate risks, including seasonal severe weather and winter conditions; flood risk is localized to specific low-lying areas.
Economic momentum is driven by local agricultural and small-business sectors, with steady residential interest from those seeking a small-town environment within reach of larger regional employment hubs.
Property taxes are assessed at the county level in Winona County, with rates determined by local school district levies and municipal requirements.
Residents typically rely on personal vehicles for commuting, with access to regional highways connecting to larger employment centers like Rochester and Winona.
The area features access to local parks, outdoor trails, and proximity to the Whitewater State Park, offering significant opportunities for hiking and nature-based recreation.
The rental market is characterized by limited inventory and steady demand, with rents reflecting the broader regional cost of living.
The local economy is anchored by a mix of agricultural operations, local manufacturing, and service-sector businesses, with many residents commuting to nearby Rochester for healthcare and tech-sector employment.
Transportation is primarily highway-based, with limited public transit options available for long-distance commuting.
Development is focused on modest residential expansion and infrastructure maintenance to support the existing population base.
Winona County utilizes a standard assessment process based on market value, with annual adjustments to reflect current real estate trends.
Parcels are subject to standard school district and county-level levies, with no major MUD/PID developments reported.
Property insurance premiums are influenced by regional weather patterns, with standard coverage available for residential properties.
Data retrieved from census.gov ZCTA-level tables.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
A major regional attraction known for its limestone bluffs and trout fishing.
Local recreational facility serving the community.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.