ZIP 55454

55454 is one of 67 ZIP codes that lie mostly in Hennepin County, MN.

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

In January 2000 the typical home in 55454 was worth $56,714.

Values peaked at $173,188 in June 2021. The latest reading is −13.8% from that peak.

As of August 2026: $149,337, −5.3% over twelve months.

Start with the typical home: $149,337. Put 20% down and borrow $119,470 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $827 a month in principal and interest.

The median household here earns $26,429 a year, $2,202 a month. So the payment takes 37.6% 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 14.3% 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 $340.

In December 2020, with rates at 2.68%, it was $509.

By August 2026, at 6.67%, it was $768 — +51% since December 2020, while the home's value moved −5%.

Reported values rose +163% 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 $111,931. So the real change is +33%, not +163%.

55454: +163% since January 2000.

Hennepin County: +161% since January 2000.

Minnesota: +178% since January 2000 — 55454 ran behind it by 15 points.

Against 772 Minnesota ZIP codes, 55454 sits at the 4th percentile for affordability (price vs local income).

1st for appreciation (recent value growth); 100th for rental yield (rent vs price).

Owning the typical home costs about $977 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,841 a month.

Price divided by a year's rent: 6.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Homes sold: about 2 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 2 — so sales ran at 100% of it, and below it in 12 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: 8 in June 2026.

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