The story of this market
The typical home in ZIP 55382 sells for about $525,000, or $235 per square foot.
Prices are up +4.2% 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 $1,327 a month.
ZIP 55382 — South Haven
The 55382 housing market is characterized by low inventory and steady demand for lakefront and rural residential properties. Prices have seen moderate year-over-year growth, driven by limited supply and the area's appeal as a recreational destination. Market activity remains stable, with buyers prioritizing lifestyle amenities over proximity to urban centers.
This ZIP is ideal for families and retirees seeking a quiet, lake-oriented lifestyle with a rural character, while still maintaining access to regional hubs.
Median prices moved up 4.2% year over year.
Homes spend a median of 68 days on market with 7.2 months of supply — a balanced-paced market.
12% 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 3.6% · poverty 7.6% — 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 10.4%/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 7.7%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
in-migration and out-migration balanced
ZCTA 55382, 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 the South Haven area are generally low, consistent with rural Stearns County trends and significantly below regional urban averages.
Schools serving the area are primarily part of the Kimball Area Public Schools district, which maintains a stable reputation for rural education outcomes.
The area is subject to standard Midwestern weather risks, including severe thunderstorms and winter storms; flood risk is localized to specific lakefront properties.
Economic momentum is driven by local agriculture, small-scale tourism, and proximity to the St. Cloud and Twin Cities employment corridors.
Property taxes are assessed by Stearns County based on market value; the rate includes local school district levies and township-specific assessments.
Commuting typically requires personal vehicle travel via MN-55, with residents often traveling to St. Cloud or the western Twin Cities suburbs for employment.
The area is defined by its access to the Horseshoe Chain of Lakes, offering extensive boating, fishing, and seasonal outdoor recreation opportunities.
The rental market is limited, consisting mostly of single-family homes and seasonal lake rentals with low turnover and stable demand.
The local economy is anchored by agricultural production, small businesses, and service-sector employment supporting the lake-recreation industry.
Transportation is almost exclusively reliant on private vehicles; there is no public transit infrastructure serving this rural ZIP code.
Development is largely restricted to low-density residential and agricultural land use, with minimal large-scale commercial pipeline activity.
Stearns County Assessor manages property valuations, utilizing annual market analysis to adjust assessments for tax purposes.
Parcels are subject to Stearns County levies, Kimball Area School District taxes, and local township fire/emergency service districts.
Property insurance premiums are stable but reflect regional exposure to wind and hail damage common in central Minnesota.
Data retrieved from data.census.gov ZCTA 55382 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.
A major regional destination for fishing and boating.
Local community green space for recreation.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.