ZIP Code 56639 — Effie city, MN Demographics & Data

ZIP code 56639 covers Effie, MN in Itasca County with a population of about 393.

At a glance, the area shows median age of 49.1 versus a U.S. median of about 38.9.

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

Median household income in ZIP 56639 is about $41,417 — about 45% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.8%; unemployment rate near 8.4%; 9.9% of adults with a bachelor’s degree or higher (about 23.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Agriculture, and Construction; about 2.4% of workers reporting work-from-home (about 12.8 points below the U.S. share (15.2%)); a mean commute of about 160.0 minutes (U.S. average near 26.8).

Median home value is about $186,100 — about 47% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,102 (about 5% below the U.S. median rent ($1,163)), and owner-occupancy near 81.7% (about 16.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 56639 in Effie, MN, a household would need roughly $51,000 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 $1,195. That is about 23% above the local median household income ($41,417), 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 Effie city, MN as Relatively Low (composite score 76.7), which is elevated versus much of the country. The strongest component scores on US5 are flood (75.4) and wildfire (44.8). 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 Effie city, MN show little to no average snow and around 31.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 28 for ZIP 56639 (Effie 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.