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Market MapFergus Falls, MN
Metropolitan Area

Fergus Falls, MN

Minnesota0
53
/100
Hold
#679 of 894 metros
Top 76% nationally for investing

Market Snapshot

$332,238
Median Home Price
30% above national median
$979/mo
Median Rent
29% below national median
3.54%
Rent-to-Price Ratio
Top 98% nationally
-$1,105
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$332,238
Down Payment (20%)$66,448
Loan Amount$265,790
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$979
Monthly P&I-$1,742
Est. Expenses (35%)-$343
Net Cash Flow-$1,105/mo
2.3%
Cap Rate (all cash)
-17.4%
Cash-on-Cash Return
3.54%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 2.3% cap rate. All-cash buyers may see better returns.

* Based on metro-wide median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Individual counties and properties vary significantly.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
53/100
53
Cash Flow(30%)
23/100

Based on 3.54% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
89/100

Based on 6.0% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Based on 0.0% population growth. Growing areas indicate economic stability.

Affordability(20%)
59/100

Based on price relative to estimated local incomes.

Scores are calculated using real Zillow metro-level home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. This metro score represents area-wide averages; individual counties may vary significantly.

Investment Outlook

Strengths

  • +Strong price appreciation (+6.0% YoY)
  • +Low unemployment (0.0%)

Challenges

  • -Below-average rent-to-price ratio (3.54%)
  • -Negative cash flow at typical financing (-$1,105/mo)
  • -Negative leverage (cap rate 2.3% < mortgage rate 6.9%)

Counties in Fergus Falls, MN

County data is being compiled for this metro area.

Compare to Similar Metros

Metro AreaVerdict
Columbus, MS
Columbus, MS
73$190,558$1,3918.76%BuyView
Salina, KS
Salina, KS
73$180,234$1,0446.95%BuyView
Marion, IN
Marion, IN
73$156,372$8866.80%BuyView
Oneonta, NY
Oneonta, NY
73$216,762$1,4798.19%BuyView
Fairmont, WV
Fairmont, WV
73$169,410$1,1488.13%BuyView
Current
Fergus Falls, MN
53$332,238$9793.54%Hold

The Bottom Line

HoldFergus Falls, MN is a neutral market. Consider house hacking or targeting below-market deals in specific counties.

The Fergus Falls, MN metro area scores 53/100, ranking #679 of 894 US metros (top 76%). The 3.54% rent-to-price ratio may require targeting specific counties or creative strategies for positive cash flow. Current metro-wide averages make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or drilling down to specific counties.

Monthly Cash Flow
$-1,105/mo
Cap Rate
2.3%
Cash-on-Cash
-20.0%

Ready to Invest in Fergus Falls, MN?

Use our investment calculators to run detailed numbers on specific properties, or explore individual counties for more targeted opportunities.

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