PlainZIP

Center City, MN · standard

ZIP Code 55012

Chisago County, Minnesota - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

2,078
35/sq mi
$101,607
Median income
$386,600
Median home value
33.6%
Bachelor's or higher

The verdict

Center City pairs an upper-quartile household income with upper-quartile home values, in a rural, homeowner-dominated area.

Top 18%
household income, US ZIPs
Top 22%
home value, US ZIPs
35
people per sq mi
93%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 55012 against every reporting US ZIP.

ZIP code 55012 covers 59.0 square miles in Center City, Chisago County, Minnesota (a standard USPS delivery area), with a modest 2,078 residents on file, a density of 35 people per square mile, in the Chicago time zone.

ZIP 55012 lands in the middle-income range, with a median household income of $101,607 (24% above the Minnesota average), while per-capita income is $51,488. The poverty rate stands at 6.7% and the unemployment rate at 2.7%. Median home value sits at $386,600 (51% above the state average), median rent at $1,594 a month, and owner-occupancy at 93.4%.

A solid share of residents have a four-year degree: 33.6% of adults hold a bachelor's degree or higher, the median age is 49.4, and the average commute is 33 minutes. To put 55012 in local context, 5 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Chisago County, for a geography-aware comparison.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 55012

Top 5 sectors by establishment count in Center City, MN

Which industries have the most business establishments in ZIP 55012.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 55012, Center City, MN · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

2,078

Population

59.0

Area (sq mi)

35

People / sq mi

Chicago

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 55012?

49.4

Median Age

51.8%

Male

48.2%

Female

3.2%

Foreign-Born

White 88.4%
African American 1.1%
Asian 3.6%
American Indian or Alaska Native 2.3%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 4.2%
Hispanic or Latino 2.5%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$101,607

Median Household Income

+24% vs state

$51,488

Per Capita Income

6.7%

Poverty Rate

2.7%

Unemployment Rate

32.8 min

Mean Commute Time

How ZIP 55012 ranks nationally

Center City, MN household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$101,607 Top 18% higher than 82% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). This entry sits in this band. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 66.1%
Bachelor's Degree or Higher 33.6%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

837

Total Housing Units

741

Occupied Units

96

Vacant Units

2.45

Avg Household Size

Occupancy Type

Owner 93.4%
Renter 6.6%

$386,600

Median Home Value

+51% vs state

$1,594

Median Rent

1980

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+13.6%

YoY Change (2024)

241

HPI Index (2000 = 100)

+141%

Total Change Since 2000

Home values in ZIP 55012 have increased 13.6% over the past year (2024). Since 2000, this ZIP has seen +141% cumulative appreciation.

Year Annual Change HPI Index
2020 +8.9% 166
2021 +11.2% 185
2022 +14.2% 211
2023 +0.5% 212
2024 +13.6% 241

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 45 business establishments in ZIP 55012, employing approximately 1,135 people with a combined annual payroll of $69,774,000.

45

Businesses

1,135

Employees

$69.8M

Annual Payroll

9

Industry Sectors

Industry Establishments % of Total
Accommodation and food services 11 24.4%
Construction 5 11.1%
Other services (except public administration) 5 11.1%
Manufacturing 4 8.9%
Real estate and rental and leasing 4 8.9%
Retail trade 3 6.7%
Professional, scientific, and technical services 3 6.7%
Administrative and support and waste management and remediation services 3 6.7%
Health care and social assistance 3 6.7%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 55012 vs 55045 →

ZIP 55012 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 55012 ranks #5 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 55012 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 55012 ranks #4 of 6 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
55045 Lindstrom, MN 7,577 3.6 mi
55084 Taylors Falls, MN 1,628 4.4 mi
55074 Shafer, MN 2,222 4.7 mi
55013 Chisago City, MN 6,541 7.7 mi
54024 Saint Croix Falls, WI 4,811 8.1 mi

More ZIP Codes in Chisago County

55056 standard
North Branch, MN
Pop: 13,546
55092 standard
Wyoming, MN
Pop: 10,840
55045 standard
Lindstrom, MN
Pop: 7,577
55013 standard
Chisago City, MN
Pop: 6,541
55069 standard
Rush City, MN
Pop: 5,540
55032 standard
Harris, MN
Pop: 3,616

Related Areas

Chisago County Center City, MN Minnesota

Frequently Asked Questions

What county is ZIP code 55012 in? ▼
ZIP code 55012 (Center City) is located in Chisago County, Minnesota. Chisago County contains multiple ZIP codes, see the full list at /counties/chisago-mn.
What is the population of ZIP code 55012? ▼
ZIP code 55012 in Center City, MN has a population of 2,078 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 55012? ▼
The median household income in ZIP 55012 is $101,607, which is 33% above the national average of $76,288.
What is the average home value in ZIP 55012? ▼
The median home value in ZIP 55012 is $386,600, which is 39% above the national average of $278,155.
What is the demographic makeup of ZIP 55012? ▼
The largest racial group in ZIP 55012 is White at 88.4%. Hispanic or Latino residents make up 2.5% of the population.
How many businesses are in ZIP code 55012? ▼
ZIP code 55012 has 45 business establishments employing approximately 1,135 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 55012? ▼
The top industries by establishment count in ZIP 55012 are: Accommodation and food services (11), Construction (5), Other services (except public administration) (5). There are 9 industry sectors represented in total.
How have home values changed in ZIP code 55012? ▼
According to the FHFA House Price Index, home values in ZIP 55012 increased by 13.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 141%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 55012? ▼
In ZIP code 55012, 66.1% of residents aged 25+ have a high school diploma or higher, and 33.6% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 55012? ▼
The mean commute time for workers in ZIP code 55012 is 32.8 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 55012? ▼
In ZIP code 55012, approximately 93.4% of occupied housing units are owner-occupied and 6.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 55012? ▼
The poverty rate in ZIP code 55012 is 6.7% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.