ZIP 56335 · Greenwald, MN · 221 residents · September 2026
Greenwald 56335: the market leans toward sellers.
Conditions tightening in sellers' favor. Typical home value $208K, +8.4% over 12 months; listings take 43 days to sell against 60 in the median U.S. ZIP.
Market balanceSeptember 2026
In Mar 2026: +29
Higher than 86% of scored ZIPs
Five parts, weighted. How the score works →
The reading
Where the balance sits this month and what moved it.
Month by month, since the gauge began
- Mar 2026+29
- Apr 2026+40
- May 2026+40
- Jun 2026+52
- Jul 2026+52
- Aug 2026—no reading on record
- Sep 2026+33
Each block is one month’s reading, −100 (buyers) to +100 (sellers). The series starts in March 2026. A dashed block has no reading on record. How the balance is measured →
What is pulling the needle
- 43 days on marketfaster than the U.S. median ZIP's 60 days
- Sale-to-list 89.0%homes close below asking · Redfin, Jan 2022
- 0 active listings−100% vs a year ago
Blue pulls toward buyers, orange toward sellers. Realtor.com, September 2026; Redfin, January 2022.
Accelerating: prices +8.4% over the trailing year, with the market leaning toward sellers.
Asking price vs sale price
Zillow's figure is a smoothed index of typical value, not a list price; Redfin's are closed sales for the month shown.
Prices
Typical home value since 2013, and how far it moved over each window.
Zillow ZHVI peaked at $204,155 in July 2026, which is the latest value. Since January 2019 it is +63.1%. The sharpest 12-month move was −3.4%, ending July 2020.
Zillow's typical home value here, $208K in August 2026, is 28% below the median U.S. ZIP's $289K. Over the 12 months to August 2026, Zillow's typical home value moved +8.4% here and +2.8% in the median U.S. ZIP.
Price tiers and bedrooms
Zillow typical values by price tier, home type and bedrooms, June 2026.
How it ranks
Appreciation by window
| Window | Change | Per year | U.S. rank | Minnesota rank |
|---|---|---|---|---|
| 1 year | +8.4% | +8.4%/yr | Top 4% nationally | Top 1% in Minnesota |
| 3 years | +17.9% | +5.7%/yr | Top 10% nationally | Top 2% in Minnesota |
| 5 years | +34.7% | +6.1%/yr | Top 16% nationally | Top 2% in Minnesota |
| 10 years | +106.8% | +7.5%/yr | Top 18% nationally | Top 2% in Minnesota |
| Since 2013 | +148.8% | +7.0%/yr | — | — |
Zillow ZHVI · rank among scored ZIPs
Payment
What a typical home here costs each month, against the typical income.
Monthly payment
$1,62329% of the median household income here ($67,083)Between the 28% and 36% lines lenders use. Rate is the Freddie Mac average for September 2026; tax is the state's statutory rate.
Insurance is assumed at 0.5% of the home's value a year; Treasury's Federal Insurance Office did not publish a premium for this ZIP.
Buying costs $433 a month more than the HUD fair market rent for a 2-bedroom here (FY 2026), before tax effects and maintenance.
Price-to-income ladder
Median home value ÷ median household income · Zillow ZHVI, Census ACS · under 4× has historically been comfortable
The place
What it costs to own here beyond the price, and what the neighborhood is like.
Typical homes cost 3.1× the median household income here, against 3.9× in the median MN ZIP and 4.3× in the median U.S. ZIP (Zillow, August 2026; Census ACS 2023). Median household income is $67,083 here, against $71,388 in the median U.S. ZIP (Census ACS 2023).
Hazard ledger
FEMA National Risk Index, December 2025 release, refreshed annually · tract-level rolled up to ZIP · not a property-level rating · no future-year projection · the tick is the median of 22 scored ZIPs in Stearns County.
Everyday prices
Everyday prices in the St. Cloud metro run 12% below the U.S. average (BEA Regional Price Parities, 2024).
Rents in the index run 35% below the U.S. average.
$75,000 at U.S.-average prices buys what $65,700 buys here.
Metro-level index, U.S. = 100 · 2024 · the St. Cloud metro, not this ZIP alone.
Housing cost burden
Census ACS 2023 five-year estimates · the tick is the U.S. median ZIP.
Behind the score
The inputs behind each of the five parts, against the U.S. median ZIP.
Livability
43Seller's report
A two-page brief for selling here: the market balance, recent signals and an illustrative net-proceeds estimate.
Nearby
6 scored Minnesota ZIPs within 12 miles; the ones below score within ten points and cost less.
Dots are Minnesota ZIP centers colored by market balance; the ring is 12 miles.
No cheaper ZIP within ten points nearby.
Sources and freshness
Every figure on this page, where it came from and when.
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