ZIP 55442 vs ZIP 55405

55442 is one of 67 ZIP codes that lie mostly in Hennepin County, MN.

Shaded by typical home value, it ranks 14 of the 39 nearby ZIPs shown.

1 school location in 55442: 1 elementary.

In alphabetical order: ZACHARY LANE ELEMENTARY. Locations only — no ratings are shown here.

55405 is one of 67 ZIP codes that lie mostly in Hennepin County, MN.

Shaded by typical home value, it ranks 6 of the 36 nearby ZIPs shown.

6 school locations in 55405: 2 elementary, 2 middle, 2 high.

In alphabetical order: Anwatin Middle, BRYN MAWR ELEMENTARY, Ella Baker Elementary, HARRISON EDUCATION CENTER, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 55442 was worth $200,417.

Values peaked at $471,198 in March 2026. The latest reading is −0.2% from that peak.

As of August 2026: $470,153, +1.5% over twelve months.

Start with the typical home: $470,153. Put 20% down and borrow $376,122 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,604 a month in principal and interest.

The median household here earns $121,714 a year, $10,143 a month. So the payment takes 25.7% 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 10.9% 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 $1,200.

In December 2020, with rates at 2.68%, it was $1,225.

By August 2026, at 6.67%, it was $2,419 — +98% since December 2020, while the home's value moved +24%.

Reported values rose +135% 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 $395,544. So the real change is +19%, not +135%.

55442: +135% since January 2000.

Hennepin County: +161% since January 2000.

Minnesota: +178% since January 2000 — 55442 ran behind it by 44 points.

Against 772 Minnesota ZIP codes, 55442 sits at the 41st percentile for affordability (price vs local income).

12th for appreciation (recent value growth); 71st for rental yield (rent vs price).

Owning the typical home costs about $3,074 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,977 a month.

Price divided by a year's rent: 19.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 55405 was worth $166,644.

Values peaked at $466,568 in August 2026. The latest reading is the peak.

As of August 2026: $466,568, +3.4% over twelve months.

Start with the typical home: $466,568. Put 20% down and borrow $373,254 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,584 a month in principal and interest.

The median household here earns $70,425 a year, $5,869 a month. So the payment takes 44.0% 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 15.7% 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 $998.

In December 2020, with rates at 2.68%, it was $1,316.

By August 2026, at 6.67%, it was $2,400 — +82% since December 2020, while the home's value moved +15%.

Reported values rose +180% 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 $328,889. So the real change is +42%, not +180%.

55405: +180% since January 2000.

Hennepin County: +161% since January 2000.

Minnesota: +178% since January 2000 — 55405 ran ahead of it by 2 points.

Against 772 Minnesota ZIP codes, 55405 sits at the 1st percentile for affordability (price vs local income).

47th for appreciation (recent value growth); 35th for rental yield (rent vs price).

Owning the typical home costs about $3,051 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,397 a month.

Price divided by a year's rent: 27.8. 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 22 a month (Redfin, 3-month rolling data through August 2026). That is 77% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 35.

Going out — closed sales: about 18 a month. That is 64% of the 2015–2019 level for the same months. The drain is drawn 4% narrower: the share of homes for sale that sell each month is 96% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 1.9 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 3 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 18 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 25 — so sales ran at 72% of it, and below it in 16 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 15 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 44.

Going out — closed sales: about 15 a month. The drain is drawn 19% narrower: the share of homes for sale that sell each month is 81% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.0 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 1 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 15 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 17 — so sales ran at 88% 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: 35 in June 2026.

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

County assessor records list 2,942 properties with a market value here. Their average assessed market value is $457,000; the typical home value is $470,153.

The assessor average sits −2.8% 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: 44 in June 2026.

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

County assessor records list 2,164 properties with a market value here. Their average assessed market value is $495,000; the typical home value is $466,568.

The assessor average sits +6.1% from the market figure — an average against a typical value, so treat it as a check, not a verdict.