ZIP Code 56468 — Lake Shore city, MN Demographics & Data

ZIP code 56468 covers Lake Shore, MN in Crow Wing County with a population of about 4,367.

At a glance, the area shows median age of 54.0 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.

Median household income in ZIP 56468 is about $103,698 — about 38% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.8%; unemployment rate near 2.1%; 42.4% of adults with a bachelor’s degree or higher (about 8.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Food services; about 12.1% of workers reporting work-from-home (about 3.1 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 $437,000 — about 26% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $778 (about 33% below the U.S. median rent ($1,163)), and owner-occupancy near 94.7% (about 29.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 56468 in Lake Shore, MN, a household would need roughly $120,000 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 $2,807. That is about 16% above the local median household income ($103,698), 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 Lake Shore 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 Lake Shore city, MN show little to no average snow and around 27.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 310 for ZIP 56468 (Lake Shore 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.