ZIP Code 56448 — Fifty Lakes city, MN Demographics & Data

ZIP code 56448 covers Fifty Lakes, MN in Crow Wing County with a population of about 412.

At a glance, the area shows median age of 64.6 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.

Fifty Lakes, MN fits a retirement-oriented profile (high share of residents 65+ (48.1%)). 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 56448 is about $77,917 — about 4% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 14.3%; unemployment rate near 2.5%; 39.0% of adults with a bachelor’s degree or higher (about 5.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Other services, and Healthcare; about 9.4% of workers reporting work-from-home (about 5.8 points below the U.S. share (15.2%)); a mean commute of about 106.0 minutes (U.S. average near 26.8).

Median home value is about $392,000 — about 13% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 98.5% (about 33.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 56448 in Fifty Lakes, MN, a household would need roughly $108,000 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 $2,518. That is about 39% above the local median household income ($77,917), so the median earner would likely stretch or need a larger down payment. 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 Fifty Lakes city, MN as Relatively Low (composite score 77.5), which is elevated versus much of the country. The strongest component scores on US5 are flood (84.2) and wildfire (76.1). 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 Fifty Lakes 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 29 for ZIP 56448 (Fifty Lakes 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.