For those of us who like one liners:
let minRectSize: Double = 5000
zoomRect = MKMapRect(
x: zoomRect.minX - max(0, minRectSize - zoomRect.width) / 2,
y: zoomRect.minY - max(0, minRectSize - zoomRect.height) / 2,
width: max(zoomRect.width, minRectSize),
height: max(zoomRect.height, minRectSize))