ZIP 55412 vs ZIP 55435

55412 is one of 67 ZIP codes that lie mostly in Hennepin County, MN.

Shaded by typical home value, it ranks 34 of the 37 nearby ZIPs shown.

7 school locations in 55412: 3 elementary, 1 middle, 2 high, 1 other.

In alphabetical order: Cityview Elementary, Henry High, Henry High - SWS, LORING ELEMENTARY, and more on the ZIP page. Locations only — no ratings are shown here.

55435 is one of 67 ZIP codes that lie mostly in Hennepin County, MN.

Shaded by typical home value, it ranks 34 of the 36 nearby ZIPs shown.

2 school locations in 55435: 1 elementary, 1 high.

In alphabetical order: CORNELIA ELEMENTARY, School #532. Locations only — no ratings are shown here.

In January 2000 the typical home in 55412 was worth $67,780.

Values peaked at $236,794 in April 2026. The latest reading is −1.1% from that peak.

As of August 2026: $234,261, +1.4% over twelve months.

Start with the typical home: $234,261. Put 20% down and borrow $187,409 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,298 a month in principal and interest.

The median household here earns $71,905 a year, $5,992 a month. So the payment takes 21.7% of income — rated “affordable” (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 6.3% 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 $406.

In December 2020, with rates at 2.68%, it was $663.

By August 2026, at 6.67%, it was $1,205 — +82% since December 2020, while the home's value moved +14%.

Reported values rose +246% 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 $133,771. So the real change is +75%, not +246%.

55412: +246% since January 2000.

Hennepin County: +161% since January 2000.

Minnesota: +178% since January 2000 — 55412 ran ahead of it by 68 points.

Against 772 Minnesota ZIP codes, 55412 sits at the 71st percentile for affordability (price vs local income).

14th for appreciation (recent value growth); 98th for rental yield (rent vs price).

Owning the typical home costs about $1,532 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,788 a month.

Price divided by a year's rent: 10.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 55435 was worth $108,041.

Values peaked at $258,889 in June 2022. The latest reading is −19.0% from that peak.

As of August 2026: $209,757, −8.1% over twelve months.

Start with the typical home: $209,757. Put 20% down and borrow $167,806 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,162 a month in principal and interest.

The median household here earns $75,829 a year, $6,319 a month. So the payment takes 18.4% of income — rated “affordable” (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 9.5% 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 $647.

In December 2020, with rates at 2.68%, it was $779.

By August 2026, at 6.67%, it was $1,079 — +38% since December 2020, while the home's value moved −13%.

Reported values rose +94% 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 $213,230. So the real change is −2%, not +94%.

55435: +94% since January 2000.

Hennepin County: +161% since January 2000.

Minnesota: +178% since January 2000 — 55435 ran behind it by 84 points.

Against 772 Minnesota ZIP codes, 55435 sits at the 86th percentile for affordability (price vs local income).

0th for appreciation (recent value growth); 99th for rental yield (rent vs price).

Owning the typical home costs about $1,372 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,953 a month.

Price divided by a year's rent: 9.0. 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 45 a month (Redfin, 3-month rolling data through August 2026). That is 71% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 103.

Going out — closed sales: about 37 a month. That is 69% of the 2015–2019 level for the same months. The drain is drawn 39% narrower: the share of homes for sale that sell each month is 61% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 2.8 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 8 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 37 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 50 — so sales ran at 74% of it, and below it in 23 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 17 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 50.

Going out — closed sales: about 14 a month. The drain is drawn 46% narrower: the share of homes for sale that sell each month is 54% of its 2015–2019 level.

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

Homes sold: about 14 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 22 — so sales ran at 64% of it, and below it in 15 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: 103 in June 2026.

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

County assessor records list 6,971 properties with a market value here. Their average assessed market value is $223,000; the typical home value is $234,261.

The assessor average sits −4.8% 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: 50 in June 2026.

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

County assessor records list 1,199 properties with a market value here. Their average assessed market value is $633,200; the typical home value is $209,757.

The assessor average sits +201.9% from the market figure — an average against a typical value, so treat it as a check, not a verdict.