ZIP Code 55008 — Cambridge city, MN Demographics & Data

ZIP code 55008 covers Cambridge, MN in Isanti County with a population of about 16,091.

At a glance, the area shows median age of 40.7 versus a U.S. median of about 38.9.

It sits in telephone area code 763; U.S. House district MN-8; the MINNEAPOLIS - ST. PAUL media market.

Median household income in ZIP 55008 is about $83,209 — about 11% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.3%; unemployment rate near 2.7%; 20.6% of adults with a bachelor’s degree or higher (about 13.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Construction; about 9.2% of workers reporting work-from-home (about 6.0 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 $267,400 — about 23% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,116 (about 4% below the U.S. median rent ($1,163)), and owner-occupancy near 76.8% (about 11.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 55008 in Cambridge, MN, a household would need roughly $74,000 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 $1,718. That sits below the local median household income ($83,209), 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 Cambridge city, MN as Very Low (composite score 26.9), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (65.0) and flood (44.0). 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 Cambridge city, MN show little to no average snow and around 29.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,142 for ZIP 55008 (Cambridge city, MN) 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.