ZIP Code 56560: Population, Income, Housing

State: MN
Total population: 44,405 Household income: $75,406 Rent: $1,035

Overview

Total population
44,405
Rent
$1,035
Year built
1982
Household income
$75,406
Per capita income
$39,316
Poverty rate
15.7%
Unemployment rate
N/A
Household size
2.3 persons
Rent over 30% of income
50.1%

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
Clay County
City
Moorhead
Total population
44,405
Adults over 25
27,375
Total households
18,941
Household size
2.3 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).

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.

Income & Poverty

Household income
$75,406
Per capita income
$39,316
Poverty rate
15.7%
Unemployment rate
N/A
Rent over 30% of income
50.1%

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.

Housing

Rent
$1,035
Year built
1982
Households that rent
41%
Households that own
59%
Rooms per home (all homes)
5.7

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.

Race

White
82.4%
Black
6.3%
Asian
1.9%
Two or more races
7.4%

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).

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.

Ethnicity

Hispanic or Latino
5.3%
Not Hispanic or Latino
94.7%

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.

Commute

Commute rate
20,416 (88%)
Commute time to work
18 mins
Work from home
2,794 (12%)

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.

Education

Less than high school
24.3%
High school graduate or GED
21.7%
Some college or associate degree
12.4%
Bachelor’s degree or higher
41.6%

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).

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.

 

Comparison of ZIP Code 56560 with: Clay County, MN Fargo metro area, ND-MN Minnesota United States

ZIP 56560

Total population44,405
Rent$1,035
Year built1982
Household income$75,406
Per capita income$39,316
Poverty rate15.7%
Unemployment rateN/A

Clay County, MN

Total population66,059
Rent$1,019
Year built1981
Household income$81,172
Per capita income$39,936
Poverty rate13.3%
Unemployment rate2.1%

Fargo Metro Area, ND-MN

Total population259,459
Rent$967
Year built1991
Household income$76,756
Per capita income$44,190
Poverty rate11.6%
Unemployment rate2.3%

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 ZIP56560 CountyClay, MNMetro AreaFargo metro area, ND-MNStateMinnesotaCountryUnited States
Total population44,40566,059259,4595,739,445334,922,499
Rent$1,035$1,019$967$1,280$1,413
Year built19821981199119791980
Household income$75,406$81,172$76,756$89,062$80,734
Per capita income$39,316$39,936$44,190$48,237$44,673
Poverty rate15.7%13.3%11.6%9.3%12.5%
Unemployment rateN/A2.1%2.3%3%4%

View the full multi-level comparison →

 

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Summary for 56560

Rent & Income

In 56560, the typical monthly rent is $1,035 and the typical household income is $75,406. Rent here is lower than Minnesota, and household income is lower than Minnesota. The estimated poverty rate is 15.7%.

Housing & Affordability

This ZIP Code is primarily owner-occupied, with renters accounting for about 41% of households. About 50.1% of renters spend more than 30% of their income on housing, indicating high cost burden.

Education & Employment

Educational attainment is high, with about 41.6% of adults holding a bachelor’s degree or higher.

 

ZIP 56560 — Rent vs Household Income

 

 

ZIP 56560 — Poverty

 

 

How ZIP 56560 compares in Minnesota (50 ZIP Codes)

Metric This ZIP Rank Starts from State range
Rent $1,035 3 / 50 from lower rent $883 – $2,001
Household income $75,406 38 / 50 from higher income $51,966 – $155,430
Poverty rate 15.7% 41 / 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 56560

Rent

When it comes to rent, ZIP Code 56560 ranks 3rd out of 50 ZIP Codes in Minnesota. Statewide, values range from $883 in ZIP 56401 up to $2,001 in ZIP 55347.

Household income

Income-wise, this area is placed 38th out of 50 ZIP Codes. Across Minnesota, figures vary from $51,966 in ZIP 55414 up to $155,430 in ZIP 55347.

Poverty rate

When it comes to poverty, ZIP Code 56560 places 41st out of 50 ZIP Codes. Throughout Minnesota, numbers span from 2.5% in ZIP 55347 up to 36.4% in ZIP 55414.

 

💰 Rent in ZIP Code 56560 (with Utilities)

Estimated Monthly Rent: $1,035 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 56560

Annual Household Income: $75,406

💡 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 56560

Estimated Rate: 15.7%

💡 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 56560

In ZIP Code 56560, households that rent: 7,757 (41%)

📊 What does the renter household percentage reveal about this ZIP Code?
Household Type Count Share
Renter-Occupied 7,757 41%
Owner-Occupied 11,184 59%

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 56560

In ZIP Code 56560, cost-burdened renters (households spending over 30% of income on housing): 3,888 (50.1%)

🏚️ What Does It Mean When Renters Spend Over 30% of Their Income on Housing?
Household Group Households Share
Cost-burdened renters (over 30%) 3,888 50.1%
Other renter households 3,869 49.9%
Total renter households 7,757 100%

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 56560

Less than High School: 6,663 people (24.3%)

Includes adults who did not complete high school.

High School Graduate or GED: 5,929 people (21.7%)

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

Some College or Associate Degree: 3,382 people (12.4%)

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

Bachelor’s Degree or Higher: 11,401 people (41.6%)

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

👥 Total Adults (25+): 27,375

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.