| ZIP Code | 56320 |
|---|---|
| City | Cold Spring |
| State | Minnesota (MN) |
| County | Stearns County |
| Area Code | 320 |
| Elevation | 1,128 ft |
| Latitude | 45.466744 |
|---|---|
| Longitude | -94.402886 |
| Timezone | Chicago (DST) |
| FIPS | 27145 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 43.5 yrs |
|---|---|
| Avg Household Size | 2.57 |
| Below Poverty | 6.0% ▼ 40% below avg |
| College Grads | 48.8% ▲ 26% above avg |
| Unemployment | 4.1% ▼ 17% below avg |
| No HS Diploma | 27 (0.5%) |
| HS Graduate | 1,544 (28.4%) |
| Some College | 488 (9%) |
| Associates | 728 (13.4%) |
| Bachelors | 876 (16.1%) |
| Graduate Degree | 1,778 (32.7%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $90,346 ▲ 18% above avg ↑ 15% since 2019 |
|---|---|
| Median Home Value | $312,000 ▲ 12% above avg ↑ 47% since 2019 |
| Home/Income Ratio | 3.5x (nat avg ~3.5x) |
| Median Rent | $1,283/mo ↑ 38% since 2019 |
| Total Units | 3,630 |
| Vacant Units | 344 |
| Avg HH Size | 2.57 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 3,630 |
|---|---|
| Vacant | 344 |
| Owner Occupied | 82.1% |
| Renter Occupied | 17.9% |
| Avg HH Size | 2.57 |
ZIP code 56320 is located in Cold Spring, Minnesota, within Stearns County. With a population of 8,553, this is a lightly populated ZIP code with a middle-aged community — the median age is 43.5 years. Economically, 56320 is a middle-income ZIP code: the median household income of $90,346 is above the national average.
Real estate in ZIP code 56320 represents a mid-range housing market. The median home value of $312,000 is near the national average. Renters can expect to pay around $1,283 per month in median rent. Homeownership is strong here — 82.1% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 47% since 2019.
The population of 56320 is primarily White (95.74%). Residents are well-educated — 48.8% hold a bachelor's degree or higher, which is above the national average. Poverty affects a relatively small share of residents at 6.0%. Household income has grown by 15% since 2019.
The unemployment rate in 56320 stands at 4.1%, which is below the national average. As in most parts of the country, driving alone is the dominant commute mode at 84%.
Overall, ZIP code 56320 in Cold Spring, MN is characterized as middle-income, well-educated, a middle-aged community, and predominantly owner-occupied. With 8,553 residents, a median household income of $90,346, and a median home value of $312,000, it offers a clear picture of life in this part of Minnesota.