ZIP code 55012

ZIP 55012 is a small town in Chisago County, Minnesota, with 1,995 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #412 of 880 ranked by population — larger than 53% of them. The median age here is 48.9 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in ZIP 55012 earn a median of $93,500 a year, 19.1% above the national figure of $78,538. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 10.8% of residents here, below the 12.4% national rate.

The typical owner-occupied home in ZIP 55012 is valued at $367,500, 21.1% above the national figure, while median gross rent runs $1,337 a month, 4.9% below the national figure, or roughly $16,044 across a full year. A household on the local median income would put about 17.2% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 3.9×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 89.6% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 55012 is tabulated inside Chisago County, Minnesota, one of 9 ZIP areas the Census publishes for that county and 880 across Minnesota. Fewer than 2,500 people are counted here, so the ZIP behaves like a village delivery route rather than a neighbourhood. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 55012 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 55012 reports a median household income of $93,500, 6% below the $99,898 county median, and 24% above the $75,417 typical MN ZIP. Owner-occupied homes are valued at a median of $367,500, 10% above the county figure and 66% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,337 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Minnesota charges 6.875% statewide, and local governments overlapping 55012 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 55012 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.