Median home value in zip code 56639 (Effie, MN) is $178,711, up 2.8% year over year. Part of the Grand Rapids, MN metropolitan area.

Home Value$178,711

YoY Change

+2.8%

Prices rising — worse for buyers.

Affordability

Enter your income for 56639 (Effie).

Income (annual)

Down Payment

$35,742 on $178,711

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

Affordable19.5% of income

Under the 28% guideline.

PITI$1,220

P/I19.5%

Afford$256K

Room+$78K

P&I $904Tax $167Ins $150

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

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

Metro Analysis

56639 is part of the Grand Rapids, MN metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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