ZIP Code 55376 — St. Michael city, MN Demographics & Data

ZIP code 55376 covers St. Michael, MN in Wright County with a population of about 19,317.

At a glance, the area shows median age of 37.4 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 55376 is about $130,917 — about 74% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.6%; unemployment rate near 2.1%; 44.3% of adults with a bachelor’s degree or higher (about 10.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Construction; about 15.8% of workers reporting work-from-home (roughly in line with 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 $364,600 — about 5% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,592 (about 37% above the U.S. median rent ($1,163)), and owner-occupancy near 91.9% (about 26.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 55376 in St. Michael, MN, a household would need roughly $100,000 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 $2,342. That sits below the local median household income ($130,917), 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 St. Michael city, MN as Relatively Low (composite score 68.4), which is near the middle of the national distribution. The strongest component scores on US5 are flood (74.7) and wildfire (61.0). 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 St. Michael city, MN show little to no average snow and around 31.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,371 for ZIP 55376 (St. Michael 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.