ZIP code 56628

ZIP 56628 is a small town in Itasca County, Minnesota, with 1,649 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #462 of 880 ranked by population — larger than 47% of them. The median age here is 56.9 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 56628 earn a median of $58,631 a year, 25.3% below the national figure of $78,538. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 14.1% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 56628 is valued at $232,700, 23.3% below the national figure, while median gross rent runs $1,129 a month, 19.7% below the national figure, or roughly $13,548 across a full year. A household on the local median income would put about 23.1% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 4×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 88.2% 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.

A median age of 56.9 puts ZIP 56628 well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages.

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 56628 is tabulated inside Itasca County, Minnesota, one of 23 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 56628 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 56628 reports a median household income of $58,631, 6% below the $62,681 county median, and 22% below the $75,417 typical MN ZIP. Owner-occupied homes are valued at a median of $232,700, 19% above the county figure and 5% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,129 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 56628 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 56628 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.