ZIP 55446 vs ZIP 55359

55446 is one of 67 ZIP codes that lie mostly in Hennepin County, MN.

Shaded by typical home value, it ranks 8 of the 40 nearby ZIPs shown.

8 school locations in 55446: 3 elementary, 5 high.

In alphabetical order: Alternative Programs Summer Session, IS THE ALTERNATIVE PROGRAM (TAP), KIMBERLY LANE ELEMENTARY, North Woods Elementary School, and more on the ZIP page. Locations only — no ratings are shown here.

55359 is one of 67 ZIP codes that lie mostly in Hennepin County, MN.

Shaded by typical home value, it ranks 9 of the 40 nearby ZIPs shown.

1 school location in 55359: 1 elementary.

In alphabetical order: ORONO DISCOVERY CENTER. Locations only — no ratings are shown here.

In January 2000 the typical home in 55446 was worth $278,621.

Values peaked at $618,973 in August 2026. The latest reading is the peak.

As of August 2026: $618,973, +1.9% over twelve months.

Start with the typical home: $618,973. Put 20% down and borrow $495,178 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,429 a month in principal and interest.

The median household here earns $169,412 a year, $14,118 a month. So the payment takes 24.3% 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 $1,668.

In December 2020, with rates at 2.68%, it was $1,592.

By August 2026, at 6.67%, it was $3,184 — +100% since December 2020, while the home's value moved +26%.

Reported values rose +122% 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 $549,887. So the real change is +13%, not +122%.

55446: +122% since January 2000.

Hennepin County: +161% since January 2000.

Minnesota: +178% since January 2000 — 55446 ran behind it by 56 points.

Against 772 Minnesota ZIP codes, 55446 sits at the 52nd percentile for affordability (price vs local income).

19th for appreciation (recent value growth); 56th for rental yield (rent vs price).

Owning the typical home costs about $4,047 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,148 a month.

Price divided by a year's rent: 24.0. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 55359 was worth $202,323.

Values peaked at $608,068 in August 2026. The latest reading is the peak.

As of August 2026: $608,068, +3.7% over twelve months.

Start with the typical home: $608,068. Put 20% down and borrow $486,454 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,368 a month in principal and interest.

The median household here earns $129,508 a year, $10,792 a month. So the payment takes 31.2% 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 10.4% 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 $1,211.

In December 2020, with rates at 2.68%, it was $1,472.

By August 2026, at 6.67%, it was $3,128 — +112% since December 2020, while the home's value moved +34%.

Reported values rose +201% 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 $399,305. So the real change is +52%, not +201%.

55359: +201% since January 2000.

Hennepin County: +161% since January 2000.

Minnesota: +178% since January 2000 — 55359 ran ahead of it by 22 points.

Against 772 Minnesota ZIP codes, 55359 sits at the 12th percentile for affordability (price vs local income).

43rd for appreciation (recent value growth); 3rd for rental yield (rent vs price).

Owning the typical home costs about $3,976 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,108 a month.

Price divided by a year's rent: 45.7. 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 51 a month (Redfin, 3-month rolling data through August 2026). That is 68% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 105. That is 54% of the 2015–2019 level for the same months.

Going out — closed sales: about 50 a month. That is 65% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 2.1 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 50 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 65 — so sales ran at 77% of it, and below it in 24 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).

Homes sold: about 9 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 8 — so sales ran at 113% of it, and below it in 10 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: 105 in June 2026.

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

County assessor records list 6,107 properties with a market value here. Their average assessed market value is $686,200; the typical home value is $618,973.

The assessor average sits +10.9% 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: 20 in June 2026.

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

County assessor records list 1,926 properties with a market value here. Their average assessed market value is $503,650; the typical home value is $608,068.

The assessor average sits −17.2% from the market figure — an average against a typical value, so treat it as a check, not a verdict.