Rock Creek Minnesota Area Home Supply Charts

This page looks at a variety of Rock Creek Minnesota housing market data taken from the most recent 2020 American Community Survey census data. Housing units are structures such as a single family home, apartment community, mobile home park, public housing, etc. where a person or family live and live separately from other residents of the building. Figure 1 shows the total number of housing units for each city. Rock Creek depicts it has a Housing Units of 638 which is in the middle range of other places in the greater region.

Figure 2 illustrates the housing density in the Rock Creek housing market as measured by housing units per square land mile (includes single family homes, apartments, etc.) Rock Creek shows it has a Housing Density of 14.8 which is the smallest in order of housing density of all the other places in the surrounding region. The city with the highest housing density in the area is Pine City which depicts a density of 434.2 ( appreciably bigger). Comparing housing density to the United States average of 38.9, Rock Creek is approximately a third the size. Also, compared with the state of Minnesota, housing density of 30.7, Rock Creek is approximately half the size.

In Figure 4, Rock Creek area change in the number of housing units and is a forward gauge (along with population change) for any potential housing shortage. Rock Creek depicts it has a Housing Unit Change of 0.5% which is in the center range of other places in the greater region. The city with the highest change in the housing units in the area is Grantsburg which shows a housing units of 15.1% ( appreciably bigger). Comparing change in the housing units to the United States average of 5.7%, Rock Creek is approximately a twelfth the size. Also, compared with the state of Minnesota, change in the housing units of 3.9%, Rock Creek is approximately an eigth the size.

Figure 5 shows the percentage of rental property based on that they are occupied by renters as a percent of the total number of households in the community (including homes, apartments, etc.) Rock Creek depicts it has a Renter Percent of 13.7% which is the second smallest when sorted by renter percent of all the other places in the metropolitan area. Figure 6 illustrates the total number of housing units that are occupied by owners. it has a Owner Percent of 86.3% which is the second most owner percent of all the places in the greater Rock Creek region.

Rock Creek Minnesota Home Cost Charts

Looking at the housing data provided in Figure 7, the average Rock Creek home price is illustrated for this community and a useful analysis of affordable housing. Rock Creek depicts it has a Median Home Value of $195,600 which is the second most median home prices of all the places in the greater Rock Creek region. The city with the highest median home price in the area is Harris which shows a home price of $199,800 ( only slightly larger). Figure 8 provides aggregate comparative data for the Rock Creek Minnesota metro area in terms of the median housing rental rate, apartment rent, etc. Rock Creek depicts it has a Median Gross Rent of $1,087 which is the second most rental rates of all the places in the greater Rock Creek region. The city with the highest rental rates in the area is Henriette which depicts a rental rates of $1,094 ( about the same size). Comparing rental rates to the United States average of $1,062, Rock Creek is only slightly larger. Also, compared to the state of Minnesota, rental rates of $977, Rock Creek is 11.3% larger.

Figure 9 provides the frequency distribution of home prices for the area and is useful for understanding affordable housing fund. Rock Creek has the smallest proportion of home price worth less than $50,000 at 5% of the total. Second, it has one of the largest proportions of home price worth between $100,000 to $200,000 at 32% of the total and is ranked #2. The only larger city being Harris with 35%. Third, it has the largest proportion of home price worth between $300,000 to $400,000 at 5% of the total and is ranked #1.

Median owner costs for the real estate market are shown in Figure 10 and include the costs associated with any mortgage, utility expenses, insurance, and other miscellaneous costs. Rock Creek shows it has a Median Owner Cost of $1,283 which is the second most of all the places in the local area. Figure 11 shows the median amount of cost as a percent of total household income for people who own homes in the Rock Creek metro area. it has a Owner Cost as % of HH Income of 22% which is the second most cost as a percent of household income of all the places in the greater Rock Creek region.

The next chart, Figure 12, provides a comparison chart of the median home cost as a percent of a median worker take home earnings and is thus a valuable measure of affordable housing. Rock Creek shows it has a Median Home Value as Percent of Median Earnings of 450% which is the largest of all places in the greater Rock Creek region.

Figure 14 depicts the median cost of housing for owners with also have a mortgages (versus those who do not have a mortgage because mortgage cost is included.) Rock Creek shows it has a Median Owner Costs-With Mortgage of $1,552 which is more than all other places in the greater Rock Creek region. Figure 15 is a chart that shows the median housing costs for owners who do not have mortgages (and therefore the cost of home ownership does not include mortgage cost.) it has a Median Owner Costs-Without Mortgage of $518 which is the third most median housing cost of all other places in the greater Rock Creek region.

Figure 16 shows the distribution in total housing cost for owners of property (so not renters.) This cost includes mortgages, lines of credit interest, utilities, taxes, insurance, etc. Rock Creek has one of the largest proportions of owner cost less than $300 at 9% of the total and is ranked #3. Only #2 Grantsburg (11%), and #1 Brook Park (18%) are larger. Second, it has one of the largest proportions of owner cost between $300 and $500 at 14% of the total and is ranked #2. The only larger city being Pine City with 16%. Third, it has the second smallest in terms of owner cost less than $300 of all the other places in the metro area in terms of owner cost between $500 and $700 at 7% of the total. Also, it has one of the largest proportions of owner cost between $1,000 and $1,500 at 25% of the total and is ranked #2. The only larger city being Harris with 26%.

Next shown in Figure 17 is the housing cost as a percent of household income for people who own their homes and have a mortgages (thus the cost of financing the home is included.) Rock Creek shows it has a % of Income Owner Costs-With Mortgage of 24% which is the third most of all other places in the local area. The city with the highest cost as a percent of household income in the area is Henriette which depicts a cost as a percent of household income of 51% (about twice as large). Housing cost as a percent of household income for owners who do not have a mortgage is shown in Figure 18. This analysis can be useful for understanding the affordable housing for home ownership excluding any financing cost in the area shown. Rock Creek shows it has a % of Income Owner Costs-No Mortgage of 13% which is the third most cost as a percent of household income of all other places in the greater Rock Creek region. The city with the highest cost as a percent of household income in the area is Henriette which depicts a cost as a percent of household income of 43% (approximately 3.4 times bigger).

Figure 19 looks at the cost of rent for rental property using the percent of total household income which is a valuable measure of financial health for the area. (The higher the proportion of rent payments to total household income is a sign of greater financial stress. Also, rent can be covered by rent assistance and rent assistance programs in the form of rent assistance.) Rock Creek has one of the largest proportions of rent as a percent of income is less than 10 pct at 17% of the total and is ranked #2. The only larger city being Grantsburg with 27%. Second, it has one of the largest proportions of rent as a percent of income is between 20pct to 30pct at 17% of the total and is ranked #3. Only #2 Rush City (19%), and #1 Pine City (30%) are larger. Third, it has the smallest proportion of rent as a percent of income is between 40pct to 50pct at 9% of the total.

Figure 20 shows the total housing cost for both home owners and apartment community renters in the area. Rock Creek has the percentage of housing cost between $500 and $700 the second smallest in terms of housing cost less than $300 of all the other places in the local area at 9% of the total.

Figure 21 shows median amount of real estate taxes paid for home owners in the region. it has a Median Real Estate Taxes Paid of $1,757 which is the third most median real estate taxes paid of all other places in the greater Rock Creek region. The city with the highest median real estate taxes paid in the area is Harris which depicts a taxes paid of $2,323 (32.2% larger). Comparing median real estate taxes paid to the United States average of $2,471, Rock Creek is approximately three-fourths the size. Also, compared with the state of Minnesota, median real estate taxes paid of $2,500, Rock Creek is approximately three-fourths the size.

Figure 22 shows the percentage of renters who pay for utilities in Rock Creek Minnesota. This is calculated as the percent of renters who pay separately for utilities versus the people who have utilities included as part of amenities. Rock Creek has the largest proportion of pay extra for utilities at 29% of the total and is ranked #1.

Figure 23 shows the rental rate distribution for this area. Rock Creek Minnesota has the percentage of rent between 500 and 750 dollars less than most other places in the metropolitan area at 19% of the total. Second, it has one of the largest proportions of rent between 750 and 1000 dollars at 37% of the total and is ranked #3. Only #2 Brook Park (38%), and #1 Henriette (67%) are larger. Third, it has the largest proportion of rent between 1000 and 1500 dollars at 10% of the total and is ranked #1.

Rock Creek Minnesota Home Financing Charts

The analysis in Figure 25 shows the detailed distribution of owned homes by mortgage status. Rock Creek has the largest proportion of with heloc at 1% of the total and is ranked #1.

Rock Creek Minnesota Home Characteristics Charts

Figure 28 shows the household size for families living in the area and it has a Family size of 3.3 which is the second most family members per housing unit of all the places in the greater Rock Creek region. The city with the highest family members per housing unit in the area is Brook Park which depicts a family members per housing unit of 4.1 (25.1% larger). Comparing family members per housing unit to the United States average of 3.3, Rock Creek is about the same size. Also, measured against the state of Minnesota, family members per housing unit of 3.1, Rock Creek is only about 5.2% larger.

Figure 29 show the median number of rooms in a typical home for each location in this area. it has a Median Number of Rooms of 6.3 which is the second most average number of rooms in a house of all the places in the greater Rock Creek region. The city with the highest average number of rooms in a house in the area is Harris which shows an average number of rooms in a house of 6.7 (6.3% larger). Figure 30 shows, for the average house in each location, the median year that a house was built. This can be useful for understanding the relative age of one neighborhood versus another for a real estate investor. it has a Median Year Built of 1991 which is the largest of all places in the greater Rock Creek region.

Figure 31 looks at the distribution of housing units by the median age that the homes were built. it has the largest proportion of homes built between 2010 to 2013 at 36% of the total and is ranked #1. Second, it has the second smallest in order of homes built in 2014 or later of all the other places in the metropolitan area when ranked by homes built between 1940 to 1949 at 19% of the total.

Figure 32 shows the difference in the number of housing units based on whether they are occupied by owners versus occupied by renters. has the percentage of owner housing units in the center range of other places in the area at 78 of the total.

Figure 34 shows the median value of homes broken down by the median year that the homes were built. it has one of the largest proportions of value of homes built 2010 to 2013 at $189,300 of the total and is ranked #2. The only larger city being Harris with $268,300. Second, it has the largest proportion of value of homes built 2000 to 2009 at $233,900 of the total and is ranked #1. Third, it has the largest proportion of value of homes built 1990 to 1999 at $194,700 of the total and is ranked #1. Also, it has one of the largest proportions of value of homes built 1980 to 1989 at $154,200 of the total and is ranked #3. Only #2 Pine City ($179,200), and #1 Harris ($210,400) are larger. In addition, it has one of the largest proportions of value of homes built 1970 to 1979 at $162,500 of the total and is ranked #2. The only larger city being Rush City with $164,700. Furthermore, it has the largest proportion of value of homes built 1960 to 1969 at $216,100 of the total and is ranked #1. Next it has the largest proportion of value of homes built 1940 to 1949 at $196,900 of the total and is ranked #1.

The next two charts show both the average household size of homeowners versus the average household size of renters. Starting with Figure 36 we see the household size of homeowners for Rock Creek residents. it has a Owner-Household Size of 2.8 which is the third most homeowner household size of all other places in the greater Rock Creek region. The city with the highest homeowner household size in the area is Brook Park which shows a homeowner household size of 3.7 (31.5% larger).

Figure 37 shows the household size for renters. Rock Creek shows it has a Renter-Household Size of 2.6 which is the second most renter household sizes of all the places in the greater Rock Creek region. The city with the highest renter household size in the area is Henriette which shows a renter household sizes of 3.7 (39.5% larger). Figure 38 shows the year that people who own homes moved into this region. it has one of the largest proportions of owners moved in 2017 or later at 10% of the total and is ranked #2. The only larger city being Pine City with 16%. Second, it has one of the largest proportions of owners moved in 2015 to 2016 at 25% of the total and is ranked #3. Only #2 Pine City (25%), and #1 Grantsburg (28%) are larger. Figure 39 shows the year that people who rent moved into the area. Rock Creek has the percentage of renters moved in 2017 or later less than most other places in the greater region at 16% of the total. Second, it has less than most other places in the greater region when ranked by renters moved in 2010 to 2014 at 1% of the total.

Figure 40 compares the median year that home owners moved into their home. it has a Owner Median Year Moved In of 2005 which is in the mid range of other places in the metro area. Figure 41 compares the median year that renters moved into their home. Rock Creek depicts it has a Renter Median Year Moved In of 2014 which is the third most median year that a renter moved in of all other places in the greater Rock Creek region.

Figure 42 shows the frequency distribution of various types of energy sources used for homes in the community. it has one of the largest proportions of homes using natural gas at 70% of the total and is ranked #2. The only larger city being Henriette with 89%. Second, it has less than most other places in the area in terms of home using bottled, tank, or lp gas at 7% of the total. Third, it has one of the largest proportions of homes using coal or coke at 12% of the total and is ranked #2. The only larger city being Brook Park with 17%. Also, it has the largest proportion of homes using solar energy at 3% of the total and is ranked #1.

The next two charts show the number of people living in group quarters and includes temporary as well permanent housing which may be run by the Rock Creek housing department, Minnesota department, or other housing authority or public housing agency. beginning with Figure 43 which shows the total number of people. Rock Creek shows it has a Total In Group Quarters of 40 which is in the mid range of other places in the local area.

Figure 44 shows the percentage of people who are living in group quarters to the total population for Rock Creek residents (these may include colleges and jails but also community centers for homelessness or that require a housing choice voucher which are run by certain nonprofits or an affordable housing department.) Rock Creek has the largest proportion of number of people under 18 years of age and in group quarters at 100% of the total and is ranked #1.