ZIP Code 55781 — undefined, MN Demographics & Data

ZIP code 55781 covers MN in Itasca County with a population of about 847.

At a glance, the area shows median age of 62.4 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.

MN fits a retirement-oriented profile (high share of residents 65+ (45.5%)). 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 55781 is about $95,536 — about 27% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.2%; unemployment rate near 6.8%; 39.4% of adults with a bachelor’s degree or higher (about 5.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Agriculture, and Healthcare; about 12.0% of workers reporting work-from-home (about 3.2 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 $366,400 — about 5% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $875 (about 25% below the U.S. median rent ($1,163)), and owner-occupancy near 95.4% (about 30.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 55781 in MN, a household would need roughly $101,000 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 $2,354. That is roughly in line with the local median household income ($95,536). 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 MN as Relatively Low (composite score 76.7), which is elevated versus much of the country. The strongest component scores on US5 are flood (75.4) and wildfire (44.8). 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 MN show little to no average snow.

IRS migration statistics show a net inflow of about 60 for ZIP 55781 (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.