ZIP 55391 vs ZIP 55331

55391 is one of 67 ZIP codes that lie mostly in Hennepin County, MN.

Shaded by typical home value, it ranks 2 of the 40 nearby ZIPs shown.

2 school locations in 55391: 1 elementary, 1 middle.

In alphabetical order: DEEPHAVEN ELEMENTARY, WAYZATA WEST MIDDLE. Locations only — no ratings are shown here.

55331 is one of 67 ZIP codes that lie mostly in Hennepin County, MN — 67% of its own area is in the county.

Shaded by typical home value, it ranks 3 of the 40 nearby ZIPs shown.

5 school locations in 55331: 2 elementary, 2 middle, 1 high.

In alphabetical order: DEEPHAVEN EDUCATION CENTER, EXCELSIOR ELEMENTARY, MINNETONKA WEST MIDDLE, MINNEWASHTA ELEMENTARY, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 55391 was worth $332,243.

Values peaked at $1,028,196 in August 2026. The latest reading is the peak.

As of August 2026: $1,028,196, +5.5% over twelve months.

Start with the typical home: $1,028,196. Put 20% down and borrow $822,557 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $5,695 a month in principal and interest.

The median household here earns $170,115 a year, $14,176 a month. So the payment takes 40.2% of income — rated “severe” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 13.0% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $1,989.

In December 2020, with rates at 2.68%, it was $2,344.

By August 2026, at 6.67%, it was $5,290 — +126% since December 2020, while the home's value moved +42%.

Reported values rose +209% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $655,716. So the real change is +57%, not +209%.

55391: +210% since January 2000.

Hennepin County: +161% since January 2000.

Minnesota: +178% since January 2000 — 55391 ran ahead of it by 31 points.

Against 772 Minnesota ZIP codes, 55391 sits at the 2nd percentile for affordability (price vs local income).

68th for appreciation (recent value growth); 4th for rental yield (rent vs price).

Owning the typical home costs about $6,723 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,611 a month.

Price divided by a year's rent: 32.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 55331 was worth $304,785.

Values peaked at $828,166 in August 2026. The latest reading is the peak.

As of August 2026: $828,166, +3.6% over twelve months.

Start with the typical home: $828,166. Put 20% down and borrow $662,533 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $4,587 a month in principal and interest.

The median household here earns $160,029 a year, $13,336 a month. So the payment takes 34.4% of income — rated “stretched” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 12.7% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $1,825.

In December 2020, with rates at 2.68%, it was $2,050.

By August 2026, at 6.67%, it was $4,261 — +108% since December 2020, while the home's value moved +31%.

Reported values rose +172% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $601,525. So the real change is +38%, not +172%.

55331: +172% since January 2000.

Hennepin County: +161% since January 2000.

Minnesota: +178% since January 2000 — 55331 ran behind it by 6 points.

Against 772 Minnesota ZIP codes, 55331 sits at the 8th percentile for affordability (price vs local income).

47th for appreciation (recent value growth); 45th for rental yield (rent vs price).

Owning the typical home costs about $5,415 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,623 a month.

Price divided by a year's rent: 26.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 44 a month (Redfin, 3-month rolling data through August 2026). That is 104% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 120. That is 73% of the 2015–2019 level for the same months.

Going out — closed sales: about 34 a month. That is 86% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 3.5 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 10 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 34 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 33 — so sales ran at 103% of it, and below it in 20 of the last 24 months.

Across Hennepin County, builders pulled permits for 3,491 new homes in 2025.

Of those, 44% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 42 a month (Redfin, 3-month rolling data through August 2026). That is 86% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 87. That is 56% of the 2015–2019 level for the same months.

Going out — closed sales: about 40 a month. That is 90% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 2.2 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 2 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 40 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 34 — so sales ran at 118% of it, and below it in 9 of the last 24 months.

Across Hennepin County, builders pulled permits for 3,491 new homes in 2025.

Of those, 44% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Hennepin County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 18,448 moved in. Among the ten receiving the most, 21,625 moved out.

Net across those counties: −3,177 households. Beside it, homes for sale in this ZIP: 120 in June 2026.

Most arrivals came from Ramsey, MN (5,844 households); most departures went to Ramsey, MN (6,020).

County assessor records list 3,876 properties with a market value here. Their average assessed market value is $735,700; the typical home value is $1,028,196.

The assessor average sits −28.4% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

This ZIP sits in Hennepin County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 18,448 moved in. Among the ten receiving the most, 21,625 moved out.

Net across those counties: −3,177 households. Beside it, homes for sale in this ZIP: 87 in June 2026.

Most arrivals came from Ramsey, MN (5,844 households); most departures went to Ramsey, MN (6,020).

County assessor records list 3,808 properties with a market value here. Their average assessed market value is $652,450; the typical home value is $828,166.

The assessor average sits −21.2% from the market figure — an average against a typical value, so treat it as a check, not a verdict.