ZIP Code 55811 — Hermantown city, MN Demographics & Data

ZIP code 55811 covers Hermantown, MN in St. Louis County with a population of about 27,907.

At a glance, the area shows median age of 38.1 (near the U.S. median).

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

Median household income in ZIP 55811 is about $77,877 — about 4% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.4%; unemployment rate near 3.3%; 41.1% of adults with a bachelor’s degree or higher (about 7.4 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Education; about 9.6% of workers reporting work-from-home (about 5.6 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 $299,300 — about 14% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,202 (about 3% above the U.S. median rent ($1,163)), and owner-occupancy near 70.3% (about 4.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 55811 in Hermantown, MN, a household would need roughly $82,000 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 $1,923. That is roughly in line with the local median household income ($77,877). 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 Hermantown 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 Hermantown city, MN show little to no average snow and around 30.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,981 for ZIP 55811 (Hermantown 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.