The story of this market
The typical home in ZIP 55013 sells for about $446,559, or $254 per square foot.
Prices are roughly flat from a year ago (+0.03%), a market in balance. Homes take about 63 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $1,385 a month.
ZIP 55013 — Chisago City
The housing market in 55013 shows signs of stability with moderate price growth and a reliance on the broader Twin Cities economic engine. While inventory levels are sufficient, the high price-to-rent ratio suggests the area remains primarily a destination for owner-occupants rather than investors. Market activity is currently driven by demand for suburban single-family homes within commuting distance of the metro area.
This ZIP is best suited for families and commuters seeking a suburban or semi-rural lifestyle with access to lake amenities, while accepting a longer commute to the Twin Cities.
Median prices moved up 0.0% year over year.
Homes spend a median of 63 days on market with 0.0 months of supply — a balanced-paced market.
0% of listings have cut prices · homes sell at 0% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 5.9% · poverty 4.2% — a stable, low-distress profile.
versus the prior ACS vintage
ZCTA 55013, Chisago 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.
The area is served by the Chisago Lakes School District, which generally maintains a stable reputation within the region.
The area is experiencing steady residential growth as part of the Minneapolis-St. Paul exurban expansion, with development focused on single-family housing.
Property taxes are assessed at the county level in Chisago County; specific rates vary by local taxing districts including school and municipal levies.
Residents primarily commute via I-35 toward the Minneapolis-St. Paul metropolitan employment core, with typical drive times exceeding 45 minutes.
The area is defined by the Chisago Lakes chain, offering extensive opportunities for boating, fishing, and lakeside parks, alongside local community trails.
The rental market is characterized by limited inventory and a high price-to-rent ratio, making it challenging for investors to achieve immediate cash flow.
The local economy is largely driven by the broader Minneapolis-St. Paul metropolitan labor market, with local employment concentrated in retail, services, and education.
Transportation is heavily reliant on private vehicle use via the I-35 corridor, with limited public transit options available for regional commuting.
Development is primarily focused on low-density residential expansion on the periphery of existing community centers.
Chisago County utilizes a standard mass-appraisal system for property tax assessments, updated annually based on market sales data.
Parcels are subject to Chisago Lakes School District levies and various local municipal and county special service districts.
Property insurance premiums are influenced by regional weather patterns, including wind and hail exposure common in the Upper Midwest.
foreclosure_note
Minnesota operates as a judicial foreclosure state with specific statutory redemption periods for homeowners.
Minnesota law requires sellers to provide a written disclosure statement regarding the physical condition of the property.
Data retrieved from census.gov and aggregated via local market reports.
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 water body providing recreational boating and fishing access.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.