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Market MapFergus Falls, MN
Metropolitan Area

Fergus Falls, MN

Minnesota0
51
/100
Hold
#692 of 894 metros
Top 77% nationally for investing

Market Snapshot

$313,670
Median Home Price
28% above national median
$976/mo
Median Rent
30% below national median
3.73%
Rent-to-Price Ratio
Top 97% nationally
-$1,010
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$313,670
Down Payment (20%)$62,734
Loan Amount$250,936
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$976
Monthly P&I-$1,644
Est. Expenses (35%)-$341
Net Cash Flow-$1,010/mo
2.4%
Cap Rate (all cash)
-16.8%
Cash-on-Cash Return
3.73%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 2.4% 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
51/100
51
Cash Flow(30%)
26/100

Based on 3.73% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
72/100

Based on 2.0% 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%)
63/100

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

  • +Low unemployment (0.0%)

Challenges

  • -Below-average rent-to-price ratio (3.73%)
  • -Negative cash flow at typical financing (-$1,010/mo)
  • -Negative leverage (cap rate 2.4% < mortgage rate 6.9%)

Counties in Fergus Falls, MN

County data is being compiled for this metro area.

Compare to Similar Metros

Metro AreaVerdict
Fairmont, WV
Fairmont, WV
71$158,591$1,0127.66%BuyView
Athens, OH
Athens, OH
71$176,334$9656.57%BuyView
Scranton, PA
Scranton, PA
71$219,797$1,3117.16%BuyView
Oneonta, NY
Oneonta, NY
71$201,691$1,69410.08%BuyView
Canton, OH
Canton, OH
71$207,064$1,1196.48%BuyView
Current
Fergus Falls, MN
51$313,670$9763.73%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 51/100, ranking #692 of 894 US metros (top 77%). The 3.73% 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
$-1,010/mo
Cap Rate
2.4%
Cash-on-Cash
-19.3%

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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