ZIP Code 54220 — Manitowoc city, WI Demographics & Data

ZIP code 54220 covers Manitowoc, WI in Manitowoc County with a population of about 40,739.

At a glance, the area shows median age of 44.6 versus a U.S. median of about 38.9.

It sits in telephone area codes 274, 920; U.S. House district WI-6; the GREEN BAY - APPLETON media market.

Median household income in ZIP 54220 is about $65,188 — about 13% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.6%; unemployment rate near 2.4%; 23.9% of adults with a bachelor’s degree or higher (about 9.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Retail trade; about 6.2% of workers reporting work-from-home (about 9.0 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $159,500 — about 54% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $684 (about 41% below the U.S. median rent ($1,163)), and owner-occupancy near 69.8% (about 4.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 54220 in Manitowoc, WI, a household would need roughly $44,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,025. That sits below the local median household income ($65,188), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Manitowoc city, WI as Relatively Low (composite score 68.9), which is near the middle of the national distribution. The strongest component scores on US5 are flood (69.7) and hurricane (21.7). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Manitowoc city, WI show little to no average snow and around 31.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2,376 for ZIP 54220 (Manitowoc city, WI) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.