Bloomington 55438

Hennepin County, MN · 6,828 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

60affordability /100

Buyer leverage is seller slight; weigh payment burden and the 3-lens valuation before bidding.

Payment burden
24%
affordable
Days on market
19
daily
Price cuts
16.2%
of active
Valuation
+18.9%
vs assessor
Look up an address
77
/100
Stable
warming · seller slight · prices rising year-over-year.
Price trend
82
Affordability
95
Valuation
50
Economic health
60

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / sellerbuyer-timing lens

27/ 100SellerBalancedBuyer
Seller's Market
DOM: 51d (rising) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)0
Valuation Gap (25%)10
Supply & Demand (20%)70
Buy vs Rent (15%)50
Cancellation Rate (10%)0
Days on Market (5%)60

Seller-favored market in 55438. Expect to pay at or near list price. Payment burden: 24.0% of median income. Median days on market: 51. Renting is approximately 66% cheaper than buying (price-to-rent ratio: 19.9).

Buyer Caution

Seller's market. Be prepared to pay near list price.

Competitive market similar to 2021-2022 — limited inventory driving prices above fundamentals.
WARMINGSELLER SLIGHT

Market is warming with rising prices. Sellers hold a slight edge. Prices up 3.4% YoY.

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Market snapshoteach number, once

Median price
$410,069
▴ 3.4% YoY
Days on market
19
daily · zip_data
Median rent
$1,714
ZORI
Investor score
58/100
cash-flow lens
Active listings
33
90-day

Valuation3 lenses, different anchors

vs assessor
+18.9%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$487,600
county CAMA · properties_v
vs income
—
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+47.4%
County-wide market — the widest, slowest signal.
Hennepin+47.4%
Lotvox comps · mv_valuation_gap
Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft—
Price-to-income4.0×

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How 55438 ranks in MN
percentile vs all Minnesota ZIPs · n=772
Market velocity84%
Supply tightness66%
Affordability35%
Investment yield75%
Appreciation38%

Affordability, supply & momentum

46SUPPLY
BalancedSupply Tightness

Supply and demand are roughly even — standard negotiation dynamics.

Months of Supply7.9 mo
Days on Market19d
Inv vs History+22.0%
Listing Density--
Affordability — payment burden
Monthly payment (P&I)$2,071
Payment burden24%
Median income · ZIP$103,488
Mortgage rate6.49% · 30yr
Total monthly own$2,481
Monthly rent$1,714
Market dynamics
Price cut %16.2%
Momentumwarming
LeverageSELLER SLIGHT
Months of supply7.9
Sales (90d)0
Investment analysis
Median rent$1,714
Price-to-rent19.9
Est. cap rate3.3%
Buy vs rentneutral

Livability

Walk score4
Transit score4
Bike score—

Historical trends

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Hennepin County contextmacro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

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