ZIP Code 55802 — Duluth, MN Home Prices (2026)
The typical home in ZIP 55802 (Duluth, Minnesota) is worth about $489,000 at roughly $400 per square foot — 66% more expensive than the Duluth median and 66% more expensive than the typical U.S. home.
How 55802 compares
ZIP 55802 is one of the pricier ZIP codes in Duluth: its typical home value of $489,000 ranks #1 of the 8 Duluth ZIP codes we track (the citywide range runs from $218,000 in 55806 to $489,000 in 55802). Per square foot it costs about $400, against $234 for Duluth as a whole, $189 for Minnesota, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 55802 | $489,000 | $400 |
| Duluth, MN | $294,000 | $234 |
| Minnesota | $304,000 | $189 |
| United States | $294,000 | $195 |
Home value by size in 55802
Using this ZIP’s rate of about $400 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $400,000 |
| 1,500 sq ft | $600,000 |
| 2,000 sq ft | $800,000 |
| 2,500 sq ft | $1,000,000 |
| 3,000 sq ft | $1,200,000 |
Salary needed to buy a home in ZIP 55802
To buy the typical $489,000 home in ZIP 55802 with 20% down, you need a household income of roughly $133,000 a year (about $3,100 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $158,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $24,500 | $3,860/mo | $165,000/yr |
| 10% (+PMI) | $48,900 | $3,690/mo | $158,000/yr |
| 20% | $97,800 | $3,100/mo | $133,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 55802
At about $400 per square foot, here is roughly how much home different budgets get you in ZIP 55802:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $250k | 630 sq ft | below the local median — condos, smaller or older homes |
| $300k | 750 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1000 sq ft | around the typical home here |
| $500k | 1250 sq ft | around the typical home here |
| $600k | 1500 sq ft | around the typical home here |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 55802 home.
Estimate a specific home in 55802
The estimator below is pre-set to ZIP 55802 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Duluth ZIP codes by home value
Where 55802 sits among Duluth’s 8 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 55802 (this page) | $489,000 | $400 |
| 2 | 55804 | $368,000 | $254 |
| 3 | 55803 | $367,000 | $249 |
| 4 | 55812 | $358,000 | $219 |
| 5 | 55808 | $230,000 | $258 |
| 6 | 55805 | $228,000 | $177 |
| 7 | 55807 | $220,000 | $187 |
| 8 | 55806 | $218,000 | $172 |
ZIP 55802 home prices: frequently asked
What is the average home price in ZIP code 55802? +
What is the price per square foot in 55802? +
What salary do you need to buy a house in ZIP 55802? +
Is 55802 an expensive ZIP code? +
See the full Duluth home values page, all Minnesota cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.