ZIP Code 55723 — Cook city, MN Demographics & Data

ZIP code 55723 covers Cook, MN in St. Louis County with a population of about 1,861.

At a glance, the area shows median age of 59.5 versus a U.S. median of about 38.9.

It sits in telephone area code 218; U.S. House district MN-8; the DULUTH - SUPERIOR media market.

Cook, MN fits a retirement-oriented profile (high share of residents 65+ (39.1%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 55723 is about $63,958 — about 15% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.7%; unemployment rate near 9.6%; 24.2% of adults with a bachelor’s degree or higher (about 9.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Food services, and Healthcare; about 19.4% of workers reporting work-from-home (about 4.2 points above 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 $177,300 — about 49% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $565 (about 51% below the U.S. median rent ($1,163)), and owner-occupancy near 85.8% (about 20.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 55723 in Cook, MN, a household would need roughly $49,000 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 $1,139. That sits below the local median household income ($63,958), 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 Cook city, MN as Relatively Moderate (composite score 91.6), which is among the highest nationally. The strongest component scores on US5 are flood (91.8) and wildfire (81.7). 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 Cook city, MN show little to no average snow.

IRS migration statistics show a net inflow of about 132 for ZIP 55723 (Cook 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.