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56639 · Effie, MN has a HavenScore of 39 — downside-risk signals are what hold the score back.
The typical ZIP scores 50 — this one sits below it
Overall view active — A balanced read across affordability, growth, risk, and momentum.
Score inputs below recompute for this view
Numbers at a glance
Four pillars, each scored 0–100
Tailwinds and headwinds right now
Leaning Seller
Conditions tightening in sellers' favor. Sign in to save this ZIP and track how the score moves.
What's changed in the last 90 days
The raw numbers
$187,231
▲ +3.05% YoY—
Where it's been
Where it's heading
The HavenScore Forecast Model (v1) projects this ZIP’s median value at 3-, 6-, and 12-month horizons, with 80% prediction intervals.
What you'd owe each month
20% down · 30-yr fixed · 6.58% · tax 1.11%
Run the numbers on your budget
Same shape, lower entry
ZIPs the score groups near 56639 on Affordability and Growth — sorted by lowest median value.
Every number, traced
Every metric above is sourced from public datasets, normalized against the national ZIP distribution. Home values and rents refresh monthly; demographics refresh annually.
Data-driven market takes and the week's biggest ZIP movers, every Tuesday. Want this ZIP specifically? Save it to your account — saved ZIPs get a monthly digest of what changed.
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This ZIP has fewer than 5,000 residents, so it isn’t ranked against larger markets. The HavenScore is shown for reference.
See if this market is growing or thinning out
Inside: 12-month price change · 12-month rent change · Population
Spot stretched prices before you offer
Inside: Overvaluation · Active listings · Price cuts
See who holds the leverage right now
Inside: Days on market · Buyer / seller gauge · Demand dial
Inventory
Days on market
Change vs. prior 90 days · arrow shows direction, not whether it’s good or bad
Pulse signals unlock with Haven, plus a one-line market interpretation.
See the full last-90-days read for this ZIP
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3
22 days
0.00%
4.5×
$41,417
393
+69.92%
See 5 years of price history for this ZIP
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Forecasts are the model’s projection, not a prediction. Actuals will differ.
See where prices here are headed over the next 12 months
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Rent data isn’t published for this ZIP, so we can’t compute a rent-vs-buy gap.
Equity assumes flat home value; real appreciation could push it higher · Rate 6.58%
See the 1-, 5-, and 30-year cost of owning here
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