ZIP Code 55748 — Hill City city, MN Demographics & Data

ZIP code 55748 covers Hill City, MN in Aitkin County with a population of about 1,429.

At a glance, the area shows median age of 45.9 versus a U.S. median of about 38.9.

It sits in telephone area code 218; U.S. House district MN-8; the MINNEAPOLIS - ST. PAUL media market.

Median household income in ZIP 55748 is about $54,615 — about 27% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.8%; unemployment rate near 11.4%; 15.8% of adults with a bachelor’s degree or higher (about 18.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Food services; about 7.1% of workers reporting work-from-home (about 8.1 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 $180,400 — about 48% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $589 (about 49% below the U.S. median rent ($1,163)), and owner-occupancy near 80.7% (about 15.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 55748 in Hill City, MN, a household would need roughly $50,000 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 $1,159. That is roughly in line with the local median household income ($54,615). 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 Hill City city, MN as Relatively Low (composite score 56.6), which is near the middle of the national distribution. The strongest component scores on US5 are flood (69.4) and wildfire (57.6). 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 Hill City city, MN show little to no average snow and around 27.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 101 for ZIP 55748 (Hill City 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.