ZIP Code 55040 — Isanti city, MN Demographics & Data

ZIP code 55040 covers Isanti, MN in Isanti County with a population of about 14,451.

At a glance, the area shows median age of 37.5 (near the U.S. median).

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

Median household income in ZIP 55040 is about $88,576 — about 18% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.3%; unemployment rate near 4.8%; 18.4% of adults with a bachelor’s degree or higher (about 15.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Construction; about 13.2% of workers reporting work-from-home (about 2.0 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 $287,700 — about 17% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,069 (about 8% below the U.S. median rent ($1,163)), and owner-occupancy near 87.5% (about 22.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 55040 in Isanti, MN, a household would need roughly $79,000 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 $1,848. That sits below the local median household income ($88,576), 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 Isanti 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 Isanti 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 1,026 for ZIP 55040 (Isanti 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.