ZIP Code 56449 — Fort Ripley city, MN Demographics & Data

ZIP code 56449 covers Fort Ripley, MN in Crow Wing County with a population of about 1,824.

At a glance, the area shows median age of 43.3 versus a U.S. median of about 38.9.

It sits in telephone area codes 218, 320; U.S. House district MN-8; the MINNEAPOLIS - ST. PAUL media market.

Fort Ripley, MN reads as a military / base-oriented community on US5’s intent model (base-related place names in city/county context). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 56449 is about $77,813 — about 4% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.4%; unemployment rate near 3.1%; 18.5% of adults with a bachelor’s degree or higher (about 15.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Construction, and Manufacturing; 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 $266,900 — about 23% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 96.5% (about 31.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 56449 in Fort Ripley, MN, a household would need roughly $73,000 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 $1,714. That is roughly in line with the local median household income ($77,813). 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 Fort Ripley 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 Fort Ripley city, MN show little to no average snow and around 30.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 129 for ZIP 56449 (Fort Ripley 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.