ZIP Code 55806 — Duluth city, MN Demographics & Data

ZIP code 55806 covers Duluth, MN in St. Louis County with a population of about 9,545.

At a glance, the area shows median age of 32.5 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.

Duluth, MN sits in a university / college context (near lake superior college (1.4 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 55806 is about $44,962 — about 40% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 25.4%; unemployment rate near 8.3%; 27.5% of adults with a bachelor’s degree or higher (about 6.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Food services; about 7.8% of workers reporting work-from-home (about 7.4 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 $156,500 — about 55% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $851 (about 27% below the U.S. median rent ($1,163)), and owner-occupancy near 45.2% (about 20.2 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 55806 in Duluth, MN, a household would need roughly $43,000 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 $1,005. That is roughly in line with the local median household income ($44,962). 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 Duluth 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 Duluth city, MN show little to no average snow.

IRS migration statistics show a net inflow of about 678 for ZIP 55806 (Duluth 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.