ZIP Code 55812 — Duluth, MN Home Prices (2026)
The typical home in ZIP 55812 (Duluth, Minnesota) is worth about $358,000 at roughly $219 per square foot — 22% more expensive than the Duluth median and 22% more expensive than the typical U.S. home.
How 55812 compares
ZIP 55812 is a mid-priced ZIP code for Duluth: its typical home value of $358,000 ranks #4 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 $219, against $234 for Duluth as a whole, $189 for Minnesota, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 55812 | $358,000 | $219 |
| Duluth, MN | $294,000 | $234 |
| Minnesota | $304,000 | $189 |
| United States | $294,000 | $195 |
Home value by size in 55812
Using this ZIP’s rate of about $219 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 | $219,000 |
| 1,500 sq ft | $328,500 |
| 2,000 sq ft | $438,000 |
| 2,500 sq ft | $547,500 |
| 3,000 sq ft | $657,000 |
Salary needed to buy a home in ZIP 55812
To buy the typical $358,000 home in ZIP 55812 with 20% down, you need a household income of roughly $97,000 a year (about $2,270 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $116,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $17,900 | $2,820/mo | $121,000/yr |
| 10% (+PMI) | $35,800 | $2,700/mo | $116,000/yr |
| 20% | $71,600 | $2,270/mo | $97,000/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 55812
At about $219 per square foot, here is roughly how much home different budgets get you in ZIP 55812:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 910 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1140 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1370 sq ft | around the typical home here |
| $400k | 1830 sq ft | around the typical home here |
| $500k | 2280 sq ft | above the median — larger homes or the pricier ZIPs |
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 55812 home.
Estimate a specific home in 55812
The estimator below is pre-set to ZIP 55812 — 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 55812 sits among Duluth’s 8 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 55802 | $489,000 | $400 |
| 2 | 55804 | $368,000 | $254 |
| 3 | 55803 | $367,000 | $249 |
| 4 | 55812 (this page) | $358,000 | $219 |
| 5 | 55808 | $230,000 | $258 |
| 6 | 55805 | $228,000 | $177 |
| 7 | 55807 | $220,000 | $187 |
| 8 | 55806 | $218,000 | $172 |
ZIP 55812 home prices: frequently asked
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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.