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Market MapMinnesotaIsanti

Isanti County

MinnesotaPopulation: 41,257
59
/100
Hold
#359 of 1,000 counties
#63 in Minnesota (87 counties)

Market Snapshot

$326,086
Median Home Price
40% above national median
$1,468/mo
Median Rent
3% below national median
5.40%
Rent-to-Price Ratio
Top 63% nationally
-$756
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Historical data from Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$326,086
Down Payment (20%)$65,217
Loan Amount$260,869
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,468
Monthly P&I-$1,709
Est. Expenses (35%)-$514
Net Cash Flow-$756/mo
3.5%
Cap Rate (all cash)
-12.1%
Cash-on-Cash Return
5.40%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 3.5% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
59/100
59
Cash Flow(30%)
51/100

Based on 5.40% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
68/100

Based on 1.8% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
72/100

Price-to-income ratio of 3.9x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

  • +Affordable relative to local incomes
  • +Complete rent data available

Challenges

  • -Negative cash flow at typical financing (-$756/mo)
  • -Negative leverage (cap rate 3.5% < mortgage rate 6.9%)

Economic Indicators

Population
41,257
Median Income
$84,063
vs $57,018 national est.
Unemployment Rate
—
Data pending
Price-to-Income
3.9x
Moderately affordable

Compare to Nearby Counties

CountyVerdict
CottonwoodMN
60$163,785Est. pending—BuyView
HennepinMN
60$374,793$1,7435.58%BuyView
CurrentIsantiMN
59$326,086$1,4685.40%Hold
HubbardMN
59$306,775Est. pending—HoldView
SherburneMN
58$377,016$1,5354.89%HoldView
BentonMN
58$299,058$1,1054.44%HoldView

The Bottom Line

HoldIsanti is a neutral market. Consider house hacking or targeting below-market deals.

Isanti County in Minnesota scores 59/100, ranking #359 of 1,000 US counties (top 47%). The 5.40% rent-to-price ratio may require creative strategies or below-market purchases for positive cash flow. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow
$-756/mo
Cap Rate
3.5%
Cash-on-Cash
-12.1%

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