ZIP codes
165
Area Code 320
Explore ZIP codes in area code 320 — covering MN, SD — 165 ZIP codes — 598,167 residents. Population, income, and housing at a glance.
Population
598,167
States
MN, SD
Median household income (avg.)
$75,998
Average home value
$212,364
Where is area code 320?
Area code 320 maps to 165 indexable ZIP codes on US5 across MN and SD, with a combined ZIP-area population of about 598,167.
Among places with the most population in this NPA on US5 are St. Cloud, MN, Alexandria, MN, Willmar, MN, Sartell, MN, and Hutchinson, MN. Open any ZIP below for full demographics, housing, and nearby services.
The most populous ZIP currently listed for 320 is 56301 (about 34,883 residents).
Income and housing in 320
Across ZIPs with income data in area code 320, the average median household income is about $75,998 — about even with the U.S. median ($75,149).
Average median home value across those ZIPs is about $212,364.
On this page’s income ranking, ZIP 55370 is near the top at about $117,344.
How area code 320 numbering works
In the North American Numbering Plan, the first three digits of a 10-digit phone number are the Numbering Plan Area (NPA), commonly called the area code. Digits 4–6 are the central office code (NXX / “exchange”), and the last four digits identify the individual line.
US5’s 320 page groups ZIP codes that are associated with this NPA in published geography data. That is a place-based view — it is not a live directory of every phone number assigned to 320, and overlays or split NPAs can mean multiple area codes serve the same metro.
Scams and caller ID spoofing
Seeing area code 320 on caller ID does not prove the caller is physically in MN and SD. Spoofing tools can display almost any NPA, including local-looking numbers used in IRS, bank, warranty, and “grandparent” scams.
If you receive an unexpected call about taxes, arrests, or locked accounts: hang up, do not share codes or remote-access software, and contact the organization using a number from its official website or your statement — not a number the caller provides. US5 publishes geography for research; it does not verify live callers.
ZIP codes in area code 320
Frequently asked questions
Where is area code 320?
Area code 320 is associated with ZIP codes in MN and SD on US5, covering about 598,167 combined ZIP-area residents across 165 codes. Browse the ZIP table on this page for cities and counties.
How many ZIP codes are in area code 320?
US5 currently lists 165 indexable ZIP codes for area code 320. Counts can change as geography publishes update.
What is the average income in area code 320?
The average of ZIP median household incomes in area code 320 is about $75,998 (about even with the U.S. median ($75,149)). Individual neighborhoods vary — sort the ZIP table by income to compare.
What is an NXX or “number block” in area code 320?
After the area code, the next three digits (NXX) identify a central office / exchange “block” of up to 10,000 numbers. US5 focuses on ZIP geography for 320; for live number assignment details, use official NANPA / carrier resources.
Does a 320 caller ID mean the person is local?
No. Caller ID can be spoofed to show area code 320 even when the caller is elsewhere. Treat unexpected calls about money, arrests, or account lockouts as suspicious and verify through official channels.
How can I avoid phone scams that use area code 320?
Do not trust caller ID alone. Never send gift cards, wire money, or install remote-access apps because a caller claims to be from the IRS, a bank, or tech support. Hang up and call back using a published number from a statement or official website.
What cities use area code 320?
Larger population clusters on US5 for 320 include St. Cloud, MN, Alexandria, MN, Willmar, MN, Sartell, MN, and Hutchinson, MN. Open linked ZIP pages for neighborhood-level demographics.