# 495 W 1st Street, Rush City, MN 55069 > **TL;DR:** 4bd/3ba multi-family, $319,900 ($175/sqft), built 1948, 1,823 sqft. > 2-car garage. Est. $1,711/mo. Listed 27 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $319,900 | | Price/sqft | $175 | | Bedrooms | 4 | | Bathrooms | 3 full | | Square Feet | 1,823 | | Year Built | 1948 | | Lot Size | 18,731 sqft (0.43 acres) | | Garage | 2-car | | Property Type | Multi-Family (Duplex) | | Status | Active | | Days on Market | 27 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $1,618 | | Estimated Insurance | $93 | | **Total** | **$1,711** | ## Key Amenities - 2-car garage ## Property Highlights - Built in 1948 - 0.43 acre lot ## Description ### Agent Description Charming Rush City home with an additional $1,000 per month rental income! A charming property in the heart of Rush City, offering a unique opportunity to own a home with an attached, income-producing rental apartment generating $1,000 per month through an existing County HRA housing contract-that's $12,000 annually! This dependable and established rental income could help offset your mortgage payment, reduce monthly housing expenses, and make homeownership more affordable. The main residence is a charming 1.5-story home featuring 2 bedrooms and 1 bathroom, with the potential for convenient living. The inviting, open layout offers comfortable living space and plenty of opportunity to personalize the home to your taste. A connecting breezeway adds to the property's distinctive layout. The attached rental apartment features its own private entrance, kitchen, bathroom, bedroom, living room and laundry area) providing a separate, self-contained living space with privacy and independence from the main residence. Currently occupied by a tenant under a Section 8 housing arrangement, the apartment generates $1,000 per month in rental income. The existing County HRA (Housing and Redevelopment Authority) rental arrangement can continue with a new owner, subject to applicable program requirements, providing an attractive opportunity to receive rental income while living in the main residence. Several updates have already been completed in the main residence, including 13 new energy- efficient, argon-filled, double-pane replacement windows, providing improved insulation, comfort, and potential heating-cost savings. Fresh interior paint gives the home a welcoming appearance and a great head start for future decorating. Location adds even more appeal! Situated in the heart of Rush City, the property is within walking distance of downtown, the city water park, and local schools and sporting events. Convenient freeway access makes commuting to work and surrounding communities easy. Whether you're looking for a comfortable personal residence with supplemental rental income, an investment opportunity, or a property with room to build equity, this Rush City home offers an attractive combination of affordability, flexibility, and income potential. Enjoy living in the main residence while receiving $12,000 annually in rental income from the attached apartment under the existing Section 8 housing arrangement! ## Location - **Address:** 495 W 1st Street, Rush City, MN 55069 - **County:** Chisago - **Coordinates:** 45.688309, -92.968839 - **Google Maps:** https://www.google.com/maps?q=45.688309,-92.968839 ## Listing Agent - **Name:** Michelle Nicollette Hosch - **Brokerage:** CENTURY 21 Moline Realty, Inc. - **Broker Phone:** (763) 689-3593 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/495-W-1st-St_Rush-City_MN_55069_M79636-05291?f=listhub&s=RMLSMN&m=7152024&c=propsimple) ## Photos ![495 W 1st Street - Photo 1](http://lh.rdcpix.com/bd626727b315bff6e659af475116352bl-f1014658579r.jpg) ![495 W 1st Street - Photo 2](http://lh.rdcpix.com/bd626727b315bff6e659af475116352bl-f2332573391r.jpg) ![495 W 1st Street - Photo 3](http://lh.rdcpix.com/bd626727b315bff6e659af475116352bl-f3850471780r.jpg) ![495 W 1st Street - Photo 4](http://lh.rdcpix.com/bd626727b315bff6e659af475116352bl-f1504467540r.jpg) ![495 W 1st Street - Photo 5](http://lh.rdcpix.com/bd626727b315bff6e659af475116352bl-f1504118799r.jpg) ![495 W 1st Street - Photo 6](http://lh.rdcpix.com/bd626727b315bff6e659af475116352bl-f4230602297r.jpg) ![495 W 1st Street - Photo 7](http://lh.rdcpix.com/bd626727b315bff6e659af475116352bl-f1224208565r.jpg) ![495 W 1st Street - Photo 8](http://lh.rdcpix.com/bd626727b315bff6e659af475116352bl-f3519903661r.jpg) ![495 W 1st Street - Photo 9](http://lh.rdcpix.com/bd626727b315bff6e659af475116352bl-f2570531504r.jpg) ![495 W 1st Street - Photo 10](http://lh.rdcpix.com/bd626727b315bff6e659af475116352bl-f822713559r.jpg) ![495 W 1st Street - Photo 11](http://lh.rdcpix.com/bd626727b315bff6e659af475116352bl-f3591609674r.jpg) ![495 W 1st Street - Photo 12](http://lh.rdcpix.com/bd626727b315bff6e659af475116352bl-f1671798316r.jpg) ![495 W 1st Street - Photo 13](http://lh.rdcpix.com/bd626727b315bff6e659af475116352bl-f3595428367r.jpg) ![495 W 1st Street - Photo 14](http://lh.rdcpix.com/bd626727b315bff6e659af475116352bl-f4171073292r.jpg) ![495 W 1st Street - Photo 15](http://lh.rdcpix.com/bd626727b315bff6e659af475116352bl-f2871718066r.jpg) ![495 W 1st Street - Photo 16](http://lh.rdcpix.com/bd626727b315bff6e659af475116352bl-f3912018117r.jpg) ![495 W 1st Street - Photo 17](http://lh.rdcpix.com/bd626727b315bff6e659af475116352bl-f1177854014r.jpg) ![495 W 1st Street - Photo 18](http://lh.rdcpix.com/bd626727b315bff6e659af475116352bl-f1090269252r.jpg) ![495 W 1st Street - Photo 19](http://lh.rdcpix.com/bd626727b315bff6e659af475116352bl-f2195947257r.jpg) ![495 W 1st Street - Photo 20](http://lh.rdcpix.com/bd626727b315bff6e659af475116352bl-f529899232r.jpg) ![495 W 1st Street - Photo 21](http://lh.rdcpix.com/bd626727b315bff6e659af475116352bl-f782376741r.jpg) ![495 W 1st Street - Photo 22](http://lh.rdcpix.com/bd626727b315bff6e659af475116352bl-f1847691782r.jpg) ![495 W 1st Street - Photo 23](http://lh.rdcpix.com/bd626727b315bff6e659af475116352bl-f190463801r.jpg) ![495 W 1st Street - Photo 24](http://lh.rdcpix.com/bd626727b315bff6e659af475116352bl-f2822489404r.jpg) ![495 W 1st Street - Photo 25](http://lh.rdcpix.com/bd626727b315bff6e659af475116352bl-f2565031937r.jpg) ![495 W 1st Street - Photo 26](http://lh.rdcpix.com/bd626727b315bff6e659af475116352bl-f184767732r.jpg) ![495 W 1st Street - Photo 27](http://lh.rdcpix.com/bd626727b315bff6e659af475116352bl-f800169640r.jpg) ![495 W 1st Street - Photo 28](http://lh.rdcpix.com/bd626727b315bff6e659af475116352bl-f2624818247r.jpg) ![495 W 1st Street - Photo 29](http://lh.rdcpix.com/bd626727b315bff6e659af475116352bl-f450827697r.jpg) ![495 W 1st Street - Photo 30](http://lh.rdcpix.com/bd626727b315bff6e659af475116352bl-f3097860350r.jpg) ![495 W 1st Street - Photo 31](http://lh.rdcpix.com/bd626727b315bff6e659af475116352bl-f2921819544r.jpg) ![495 W 1st Street - Photo 32](http://lh.rdcpix.com/bd626727b315bff6e659af475116352bl-f2058186164r.jpg) ![495 W 1st Street - Photo 33](http://lh.rdcpix.com/bd626727b315bff6e659af475116352bl-f1806680538r.jpg) ![495 W 1st Street - Photo 34](http://lh.rdcpix.com/bd626727b315bff6e659af475116352bl-f516163781r.jpg) ![495 W 1st Street - Photo 35](http://lh.rdcpix.com/bd626727b315bff6e659af475116352bl-f1783796173r.jpg) ![495 W 1st Street - Photo 36](http://lh.rdcpix.com/bd626727b315bff6e659af475116352bl-f2574019645r.jpg) --- **MLS#:** 7152024 | **Updated:** 2026-10-28 **Source:** listhub *Copyright © 2026 Northstar MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://staging.propertysimple.ai/listing/495-w-1st-street-rush-city-mn-55069-449b31dbf9dd4d569b4a86e4e5bcbd63) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/495-w-1st-street-rush-city-mn-55069-449b31dbf9dd4d569b4a86e4e5bcbd63#listing", "url": "https://staging.propertysimple.ai/listing/495-w-1st-street-rush-city-mn-55069-449b31dbf9dd4d569b4a86e4e5bcbd63", "name": "495 W 1st Street, Rush City, MN 55069", "description": "Charming Rush City home with an additional $1,000 per month rental income! 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Currently occupied by a tenant under a Section 8 housing arrangement, the apartment generates $1,000 per month in rental income. The existing County HRA (Housing and Redevelopment Authority) rental arrangement can continue with a new owner, subject to applicable program requirements, providing an attractive opportunity to receive rental income while living in the main residence. Several updates have already been completed in the main residence, including 13 new energy- efficient, argon-filled, double-pane replacement windows, providing improved insulation, comfort, and potential heating-cost savings. Fresh interior paint gives the home a welcoming appearance and a great head start for future decorating. Location adds even more appeal! Situated in the heart of Rush City, the property is within walking distance of downtown, the city water park, and local schools and sporting events. Convenient freeway access makes commuting to work and surrounding communities easy. 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