ZIP code 56549

ZIP 56549 is a small town in Clay County, Minnesota, with 4,656 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #267 of 880 ranked by population — larger than 69% of them. The median age here is 41 years against 39.1 nationally, a slightly older profile than the country as a whole. 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 56549 earn a median of $100,326 a year, 27.7% 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 4.2% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in ZIP 56549 is valued at $317,500, 4.6% above the national figure, while median gross rent runs $750 a month, 46.7% below the national figure, or roughly $9,000 across a full year. A household on the local median income would put about 9% 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 3.2×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 83.7% 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. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. 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 56549 is tabulated inside Clay County, Minnesota, one of 13 ZIP areas the Census publishes for that county and 880 across Minnesota. Population sits in the small-town band, typically one main street plus the addresses that feed into it. 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 56549 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 56549 reports a median household income of $100,326, 13% above the $88,690 county median, and 33% above the $75,417 typical MN ZIP. Owner-occupied homes are valued at a median of $317,500, 36% above the county figure and 43% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $750 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 56549 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 56549 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.