ZIP Code 55045 — Lindstrom city, MN Demographics & Data

ZIP code 55045 covers Lindstrom, MN in Chisago County with a population of about 7,854.

At a glance, the area shows median age of 41.5 versus a U.S. median of about 38.9.

It sits in telephone area code 651; U.S. House district MN-8; the MINNEAPOLIS - ST. PAUL media market.

Lindstrom, MN sits in a university / college context (near hazelden betty ford graduate school (2.0 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 55045 is about $110,685 — about 47% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.6%; unemployment rate near 4.7%; 27.0% of adults with a bachelor’s degree or higher (about 6.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Retail trade; 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 $373,500 — about 7% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $903 (about 22% below the U.S. median rent ($1,163)), and owner-occupancy near 90.7% (about 25.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 55045 in Lindstrom, MN, a household would need roughly $103,000 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 $2,399. That is roughly in line with the local median household income ($110,685). 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 Lindstrom city, MN as Relatively Low (composite score 44.5), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (65.5) and flood (55.7). 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 Lindstrom city, MN show little to no average snow and around 33.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 557 for ZIP 55045 (Lindstrom 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.