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Market MapMinnesotaIsanti

Isanti County

MinnesotaPopulation: 41,257
57
/100
Hold
#605 of 1,000 counties
#79 in Minnesota (87 counties)

Market Snapshot

$329,762
Median Home Price
21% above national median
$1,377/mo
Median Rent
8% below national median
5.01%
Rent-to-Price Ratio
Top 75% nationally
-$834
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$329,762
Down Payment (20%)$65,952
Loan Amount$263,810
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,377
Monthly P&I-$1,729
Est. Expenses (35%)-$482
Net Cash Flow-$834/mo
3.3%
Cap Rate (all cash)
-13.2%
Cash-on-Cash Return
5.01%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 3.3% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

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Score Breakdown

Overall Investment Score
57/100
57
Cash Flow(30%)
45/100

Based on 5.01% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
67/100

Based on 1.7% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
71/100

Price-to-income ratio of 3.9x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

  • +Affordable relative to local incomes
  • +Complete rent data available

Challenges

  • -Below-average rent-to-price ratio (5.01%)
  • -Negative cash flow at typical financing (-$834/mo)
  • -Negative leverage (cap rate 3.3% < mortgage rate 6.9%)

Economic Indicators

Population
41,257
Median Income
$84,063
vs $62,400 national est.
Unemployment Rate
—
Data pending
Price-to-Income
3.9x
Moderately affordable

Compare to Nearby Counties

CountyVerdict
FillmoreMN
59$273,954Est. pending—HoldView
RamseyMN
58$326,548$1,5045.53%HoldView
DakotaMN
58$383,347$1,6645.21%HoldView
ScottMN
58$430,948$1,7904.98%HoldView
CurrentIsantiMN
57$329,762$1,3775.01%Hold
ClayMN
56$292,368$9994.10%HoldView

The Bottom Line

HoldIsanti is a neutral market. Consider house hacking or targeting below-market deals.

Isanti County in Minnesota scores 57/100, ranking #605 of 1,000 US counties (top 60%). The 5.01% rent-to-price ratio may require creative strategies or below-market purchases for positive cash flow. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow
$-834/mo
Cap Rate
3.3%
Cash-on-Cash
-13.2%

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