ZIP Code 56401: Population, Income, Housing

State: MN

Total population: 31,841 Household income: $73,128 Rent: $883

Overview

Total population

31,841

Rent

$883

Year built

1984

Household income

$73,128

Per capita income

$37,969

Poverty rate

10.1%

Unemployment rate

N/A

Household size

2.4 persons

Rent over 30% of income

35.9%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Demographics

State

Minnesota

County

Crow Wing County

Total population

31,841

Adults over 25

22,138

Total households

13,074

Household size

2.4 persons

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Income & Poverty

Household income

$73,128

Per capita income

$37,969

Poverty rate

10.1%

Unemployment rate

N/A

Rent over 30% of income

35.9%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Housing

Rent

$883

Year built

1984

Households that rent

26.4%

Households that own

73.6%

Rooms per home (all homes)

5.8

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Race

White

93.5%

Black

0.7%

Asian

0.4%

Two or more races

3.6%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Ethnicity

Hispanic or Latino

1.7%

Not Hispanic or Latino

98.3%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Commute

Commute rate

13,775 (90.6%)

Commute time to work

22 mins

Work from home

1,429 (9.4%)

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Education

Less than high school

28%

High school graduate or GED

31.4%

Some college or associate degree

15.1%

Bachelor’s degree or higher

25.4%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Comparison of ZIP Code 56401 with: Crow Wing County, MN Minnesota United States

ZIP 56401

Total population31,841

Rent$883

Year built1984

Household income$73,128

Per capita income$37,969

Poverty rate10.1%

Unemployment rateN/A

Crow Wing County, MN

Total population67,686

Rent$971

Year built1988

Household income$72,589

Per capita income$41,886

Poverty rate9.9%

Unemployment rate4%

Minnesota State

Total population5,739,445

Rent$1,280

Year built1979

Household income$89,062

Per capita income$48,237

Poverty rate9.3%

Unemployment rate3%

United States

Total population334,922,499

Rent$1,413

Year built1980

Household income$80,734

Per capita income$44,673

Poverty rate12.5%

Unemployment rate4%

Metric	ZIP56401	CountyCrow Wing, MN	StateMinnesota	CountryUnited States
Total population	31,841	67,686	5,739,445	334,922,499
Rent	$883	$971	$1,280	$1,413
Year built	1984	1988	1979	1980
Household income	$73,128	$72,589	$89,062	$80,734
Per capita income	$37,969	$41,886	$48,237	$44,673
Poverty rate	10.1%	9.9%	9.3%	12.5%
Unemployment rate	N/A	4%	3%	4%

View the full multi-level comparison →

Summary for 56401

Rent & Income

In 56401, the typical monthly rent is $883 and the typical household income is $73,128. Rent here is lower than Minnesota, and household income is lower than Minnesota. The estimated poverty rate is 10.1%.

Housing & Affordability

This ZIP Code is primarily owner-occupied, with renters accounting for about 26.4% of households. Around 35.9% of renters are cost-burdened, indicating a moderate level of rent pressure.

Education & Employment

Educational attainment is moderate, with about 25.4% of adults holding a bachelor’s degree or higher.

ZIP 56401 — Rent vs Household Income

ZIP 56401 — Poverty

How ZIP 56401 compares in Minnesota (50 ZIP Codes)

Metric	This ZIP	Rank	Starts from	State range
Rent	$883	1 / 50	from lower rent	$883 – $2,001
Household income	$73,128	41 / 50	from higher income	$51,966 – $155,430
Poverty rate	10.1%	31 / 50	from lower poverty	2.5% – 36.4%

Rankings are calculated among ZIP Codes in Minnesota with total population > 30,000 (year 2024).

Detailed Ranking Explanation for ZIP Code 56401

Rent

In terms of rental prices, this ZIP stands 1st out of 50 ZIP Codes in Minnesota. Across Minnesota, figures vary from $883 in ZIP 56401 up to $2,001 in ZIP 55347.

Household income

When comparing household incomes, ZIP Code 56401 stands 41st out of 50 ZIP Codes. Throughout Minnesota, numbers span from $51,966 in ZIP 55414 up to $155,430 in ZIP 55347.

Poverty rate

Looking at poverty indicators, this ZIP stands 31st out of 50 ZIP Codes. At the state level, values extend from 2.5% in ZIP 55347 up to 36.4% in ZIP 55414.

💰 Rent in ZIP Code 56401 (with Utilities)

Estimated Monthly Rent: $883 ℹ️ What’s Included:
✅ Base rent, electricity, gas, water/sewer, and heating fuels
❌ Not included: internet, cable TV, renter's insurance, parking

💡 What does this rent estimate mean?

Explanation: This estimate shows what renters typically pay each month for housing — including the apartment or home and essential utilities like heat, water, and electricity.

Included in this number: Rent plus electricity, gas, water/sewer, and heating fuel.

Not included: Internet, cable, parking, renter’s insurance, or furniture rental.

Note: This cost does not depend on the number of people living in the home.

👨‍👧‍👦 Household Income in ZIP Code 56401

Annual Household Income: $73,128

💡 What does Household Income mean?

Definition: This represents the middle value of all household incomes in the ZIP code — half of households earn less, and half earn more.

Includes: wages, salaries, self-employment income, Social Security, pensions, investments, unemployment, public assistance, and rental income.

Does NOT include: capital gains, non-cash benefits (like food stamps), or tax refunds.

Household = any group of people (or a single person) living in the same housing unit.

Example: A couple earning $40,000 and $30,000 together have a household income of $70,000. If that's in the middle of all local incomes, it's the value shown here.

📉 Poverty Rate in ZIP Code 56401

Estimated Rate: 10.1%

💡 What does the Poverty Rate represent?

Definition: The percentage of people in this area living below the federal poverty threshold.

How it works: The threshold is a dollar amount set by the U.S. Census Bureau that varies by family size and age. If a household's income is below that level, everyone in it is included in this rate.

Example: In a town of 10,000 people, if 1,500 have incomes below the poverty line, the poverty rate is 15%.

Note: This statistic only includes people living in households; it does not count those in student housing, military barracks, or nursing homes.

🏘️ Renter vs. Owner Households in ZIP Code 56401

In ZIP Code 56401, households that rent: 3,452 (26.4%)

📊 What does the renter household percentage reveal about this ZIP Code?

Household Type	Count	Share
Renter-Occupied	3,452	26.4%
Owner-Occupied	9,622	73.6%

Definition: This is the percentage of households that rent their home rather than own it. It includes only occupied housing units.

Why it matters: Areas with a high share of renter households often have younger populations, higher mobility, and different housing needs compared to mostly owner-occupied areas.

Example: If 65% of homes in an area are renter-occupied, it means 65 out of every 100 households rent their home.

📉 Renters Spending Over 30% of Income on Rent in ZIP Code 56401

In ZIP Code 56401, cost-burdened renters (households spending over 30% of income on housing): 1,239 (35.9%)

🏚️ What Does It Mean When Renters Spend Over 30% of Their Income on Housing?

Household Group	Households	Share
Cost-burdened renters (over 30%)	1,239	35.9%
Other renter households	2,213	64.1%
Total renter households	3,452	100%

Shares are calculated as a percentage of renter households.

This shows how many renters in the ZIP code are considered cost-burdened — meaning they spend more than 30% of their income on housing (rent and basic utilities).

It’s a sign that housing might be unaffordable in the area or that lower-income residents may be struggling with rent.

Data comes from the U.S. Census Bureau’s American Community Survey.

📊 Education Levels in ZIP Code 56401

Less than High School: 6,209 people (28%)

Includes adults who did not complete high school.

High School Graduate or GED: 6,944 people (31.4%)

Includes adults whose highest education is a high school diploma or GED.

Some College or Associate Degree: 3,353 people (15.1%)

Includes adults who attended college without completing a bachelor’s degree (some college or associate degree).

Bachelor’s Degree or Higher: 5,632 people (25.4%)

Includes adults with a bachelor’s degree or higher (bachelor’s, master’s, professional, or doctoral degree).

👥 Total Adults (25+): 22,138

ℹ️ Have questions about how these statistics are calculated? See our data methodology & FAQs

Source: ACS 5-Year Estimates (U.S. Census Bureau) — unemployment rate from BLS. Some values are derived metrics.