The story of this market
The typical home in ZIP 56340 sells for about $235,000, or $142 per square foot.
Prices are up +2.4% from a year ago, so sellers still have some momentum. Homes take about 68 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $1,150 a month.
ZIP 56340 — Holdingford
The housing market in ZIP 56340 is characterized by low inventory and steady, modest price appreciation. Demand remains consistent among local buyers, though the limited supply of homes keeps sales volume low. Market conditions are stable, with no significant volatility expected in the near term.
This ZIP is best suited for families and individuals seeking a quiet, rural lifestyle with affordable housing options and a slower pace of life.
Median prices moved up 2.4% year over year.
Homes spend a median of 68 days on market with 4.1 months of supply — a balanced-paced market.
18% of listings have cut prices · homes sell at 97.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 1.9% · poverty 3.3% — 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 4.7%/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 4.8%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net influx — more people moved in than out
ZCTA 56340, Stearns 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.
Crime rates in this rural area remain low compared to regional and state averages, with property crime being the primary concern.
Schools serving this area are generally rated as average, with a focus on community-based education and smaller class sizes.
The area faces moderate risk from severe thunderstorms and winter weather, with standard insurance coverage typically available.
Economic momentum is driven by local agriculture and small-scale manufacturing, with limited new large-scale infrastructure development.
Property taxes are assessed at the county level based on market value, with standard homestead exemptions available for primary residences.
Commutes are primarily car-dependent, with residents traveling to nearby regional employment hubs via state highways.
The area offers access to local parks, fishing lakes, and rural trail systems, with limited commercial shopping within a 3-mile radius.
The rental market is characterized by low turnover and limited inventory, with most units being single-family homes.
The local economy is anchored by agricultural operations and small-business services, with many residents commuting to larger nearby cities for employment.
Transportation is almost exclusively via private vehicle, with no public transit infrastructure serving the immediate area.
Development is limited to small-scale residential infill and minor commercial upgrades along the main thoroughfare.
The county appraisal district conducts annual assessments to determine property values for tax purposes.
Parcels are subject to standard county and school district tax levies, with no major MUD or PID districts reported.
Property insurance premiums are stable, reflecting the low-hazard environment and lack of significant natural disaster exposure.
Net domestic migration is stable, with a slight trend of families moving from urban centers to rural areas.
Minnesota follows a judicial foreclosure process with specific notice and redemption periods for homeowners.
Sellers are required to provide a comprehensive disclosure statement regarding the physical condition of the property.
Data retrieved from data.census.gov using ZCTA 56340 profile.
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.
Provides playground and picnic facilities for local residents.
Popular spot for seasonal fishing and non-motorized boating.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.