ZIP Code 55309 — Big Lake city, MN Demographics & Data

ZIP code 55309 covers Big Lake, MN in Sherburne County with a population of about 21,406.

At a glance, the area shows median age of 36.3 versus a U.S. median of about 38.9.

It sits in telephone area code 763; U.S. House district MN-6; the MINNEAPOLIS - ST. PAUL media market.

Median household income in ZIP 55309 is about $118,387 — about 58% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.7%; unemployment rate near 2.7%; 31.2% of adults with a bachelor’s degree or higher (about 2.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Construction; about 11.4% of workers reporting work-from-home (about 3.8 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 $335,500 — about 4% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,304 (about 12% above the U.S. median rent ($1,163)), and owner-occupancy near 91.1% (about 25.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 55309 in Big Lake, MN, a household would need roughly $92,000 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 $2,155. That sits below the local median household income ($118,387), 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 Big Lake city, MN as Relatively Low (composite score 53.6), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (76.4) and flood (62.5). 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 Big Lake city, MN show little to no average snow and around 32.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,519 for ZIP 55309 (Big Lake 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.