ZIP 56728 vs ZIP 56732

This side-by-side compares ZIP 56728 (Hallock, MN) and ZIP 56732 (Karlstad, MN) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 56728 has a population of 1,364 at 3 people per square mile, while ZIP 56732 has 1,136 at 3 per square mile. That difference in population size and density alone reshapes how every other metric should be interpreted — a higher-income ZIP with 1,200 residents behaves very differently from one with 45,000.

On income and education, ZIP 56728 reports a median household income of $79,444 against $72,344 in ZIP 56732, with per-capita income of $41,753 vs $36,802. The share of adults holding a bachelor's degree or higher is 25.7% in 56728 and 33.7% in 56732. Poverty rate reads 9.1% vs 8.6%, and unemployment 3.9% vs 1.7% — these four fields alone drive most of the difference in the scorecard grades you will see for each ZIP.

Housing separates these two ZIPs further: median home value sits at $152,100 in 56728 versus $144,100 in 56732, with median rent of $838 and $619 per month respectively. Homeownership rate is 81.7% vs 82.6%. When reading the comparison table below, focus on paired metrics rather than single winners — a ZIP with lower home values and lower income is not strictly "worse" if rent-to-income ratios and commute times land in the same zone. Every value is pulled from the exact same ACS table so the two columns are genuinely comparable.