ZIP Code 56350 — McGrath city, MN Demographics & Data

ZIP code 56350 covers McGrath, MN in Aitkin County with a population of about 468.

At a glance, the area shows median age of 53.5 versus a U.S. median of about 38.9.

It sits in telephone area code 320; U.S. House district MN-8; the MINNEAPOLIS - ST. PAUL media market.

McGrath, MN fits a retirement-oriented profile (high share of residents 65+ (35.3%)). 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 56350 is about $40,000 — about 47% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 21.5%; unemployment rate near 7.0%; 7.7% of adults with a bachelor’s degree or higher (about 26.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Construction, and Manufacturing; about 18.6% of workers reporting work-from-home (about 3.4 points above the U.S. share (15.2%)); a mean commute of about 118.0 minutes (U.S. average near 26.8).

Median home value is about $164,000 — about 53% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $481 (about 59% below the U.S. median rent ($1,163)), and owner-occupancy near 88.8% (about 23.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 56350 in McGrath, MN, a household would need roughly $45,000 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 $1,053. That is roughly in line with the local median household income ($40,000). 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 McGrath 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 McGrath city, MN show little to no average snow and around 28.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 33 for ZIP 56350 (McGrath 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.