Median home value in zip code 56431 (, MN) is $301,854, up 3.5% year over year. Part of the Brainerd, MN metropolitan area.

Home Value$301,854

YoY Change

+3.5%

Prices rising — worse for buyers.

Affordability

Enter your income for 56431 (null).

Income (annual)

Down Payment

$60,371 on $301,854

Example: $75,000 household income. Change it above to see your own.

Stretch31.3% of income

Above 28% but manageable with cuts.

PITI$1,958

P/I31.3%

Afford$270K

Gap-$32K

P&I $1,526Tax $282Ins $150

6.50% 30yr, 20% down, county tax + MN ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

56431 is part of the Brainerd, MN metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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