Cottage Grove, MN · standard
ZIP Code 55016
Washington County, Minnesota - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 34,204
- 453/sq mi High-density area
- $120,715
- Median income Above-median income area
- $377,700
- Median home value Above-median home value
- 40.8%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Cottage Grove pairs a top-decile household income with upper-quartile home values, in a low-density, homeowner-dominated area.
- Top 9%
- household income, US ZIPs
- Top 23%
- home value, US ZIPs
- 453
- people per sq mi
- 88%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 55016 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 55016 (Cottage Grove, MN) rose +2.3% from 2023 to 2024. The all-transactions index moved from 217.5 in 2023 to 222.4 in 2024 (2000 = 100).
ZIP code 55016 is a densely settled ZIP (a standard USPS delivery area) in Cottage Grove, Washington County, Minnesota, with 34,204 residents across 75.6 square miles, a density of 453 people per square mile, in the Chicago time zone.
ZIP 55016 skews affluent, with a median household income of $120,715 (47% above the average Minnesota ZIP), while per-capita income is $49,566. Both reported hardship measures are comparatively low in absolute terms: poverty is 4.2% and unemployment is 3.7%. Housing is both higher-cost and owner-heavy: median home value is $377,700 (48% above the average Minnesota ZIP), while 88.2% of occupied homes are owner-occupied and median rent is $1,790.
A solid share of residents have a four-year degree: 40.8% of adults hold a bachelor's degree or higher, the median age is 36.4, and the average commute is 24 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Washington County, so 55016 can be compared with both its immediate and county-level context.
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 55016
Top 5 sectors by establishment count in Cottage Grove, MN
Which industries have the most business establishments in ZIP 55016.
- Health care and social assistance
Health care and social assistance
80 establishments
- Construction
Construction
79 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
59 establishments
- Other services (except public administration)
Other services (except public administration)
58 establishments
- Retail trade
Retail trade
51 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, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 55016, Cottage Grove, 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
34,204
Population
75.6
Area (sq mi)
453
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 55016?
36.4
Median Age
49.5%
Male
50.5%
Female
8.5%
Foreign-Born
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?
$120,715
Median Household Income
+47% vs state ZIP avg
$49,566
Per Capita Income
4.2%
Poverty Rate
3.7%
Unemployment Rate
23.9 min
Mean Commute Time
How ZIP 55016 ranks nationally
Cottage Grove, MN household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$120,715 Top 9% higher than 91% of 30,318 US ZIPs
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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
14,375housing units
14,375
Total Housing Units
14,283
Occupied Units
92
Vacant Units
2.84
Avg Household Size
Occupancy Type
$377,700
Median Home Value
+48% vs state ZIP avg
$1,790
Median Rent
1990
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
+2.3%
YoY Change (2024)
222
HPI Index (2000 = 100)
+122%
Total Change Since 2000
Home values in ZIP 55016 have increased 2.3% over the past year (2024). Since 2000, this ZIP has seen +122% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +2.8% | 170 |
| 2021 | +11.0% | 188 |
| 2022 | +12.0% | 211 |
| 2023 | +3.2% | 217 |
| 2024 | +2.3% | 222 |
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 537 business establishments in ZIP 55016, employing approximately 9,224 people with a combined annual payroll of $484,022,000.
537
Businesses
9,224
Employees
$484.0M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Health care and social assistance | 80 | 14.9% |
| Construction | 79 | 14.7% |
| Professional, scientific, and technical services | 59 | 11.0% |
| Other services (except public administration) | 58 | 10.8% |
| Retail trade | 51 | 9.5% |
| Accommodation and food services | 41 | 7.6% |
| Administrative and support and waste management and remediation services | 38 | 7.1% |
| Real estate and rental and leasing | 30 | 5.6% |
| Finance and insurance | 29 | 5.4% |
| Transportation and warehousing | 25 | 4.7% |
| Wholesale trade | 17 | 3.2% |
| Manufacturing | 11 | 2.0% |
| Arts, entertainment, and recreation | 7 | 1.3% |
| Information | 6 | 1.1% |
| Educational services | 4 | 0.7% |
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 55016 vs 55071 →
ZIP 55016 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 55125
Saint Paul (55125)
43,281 residents
- 55119
Saint Paul (55119)
38,966 residents
- 55016
Cottage Grove (55016)
34,204 residents
- 55033
Hastings (55033)
29,488 residents
- 55076
Inver Grove Heights (55076)
21,323 residents
- 55075
South Saint Paul (55075)
20,152 residents
- 55129
Saint Paul (55129)
18,697 residents
- 55077 12,572
Inver Grove Heights (55077)
12,572 residents
- 55071 5,569
Saint Paul Park (55071)
5,569 residents
What this shows Among its immediate neighbors, ZIP 55016 ranks #3 by population - useful context the national average alone can't give.
ZIP 55016 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 55129
Saint Paul (55129)
$143,795 median income
- 55016
Cottage Grove (55016)
$120,715 median income
- 55125
Saint Paul (55125)
$119,260 median income
- 55077
Inver Grove Heights (55077)
$111,967 median income
- 55085
Vermillion (55085)
$107,500 median income
- 55033
Hastings (55033)
$103,988 median income
- 55071
Saint Paul Park (55071)
$100,798 median income
- 55076
Inver Grove Heights (55076)
$93,847 median income
- 55075
South Saint Paul (55075)
$88,386 median income
What this shows By household income, ZIP 55016 ranks #2 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 55071 | Saint Paul Park, MN | 5,569 | 3.0 mi |
| 55129 | Saint Paul, MN | 18,697 | 5.4 mi |
| 55125 | Saint Paul, MN | 43,281 | 7.1 mi |
| 55076 | Inver Grove Heights, MN | 21,323 | 5.0 mi |
| 55055 | Newport, MN | 3,418 | 5.0 mi |
| 55077 | Inver Grove Heights, MN | 12,572 | 6.8 mi |
| 55085 | Vermillion, MN | 417 | 10.1 mi |
| 55033 | Hastings, MN | 29,488 | 8.0 mi |
| 55075 | South Saint Paul, MN | 20,152 | 7.1 mi |
| 55119 | Saint Paul, MN | 38,966 | 9.1 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 55016, both outside MN so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (34,204 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Washington County
Related Areas
Frequently Asked Questions
What county is ZIP code 55016 in?
ZIP code 55016 (Cottage Grove) is located in Washington County, Minnesota. Washington County contains multiple ZIP codes, see the full list at /counties/washington-mn.
What is the population of ZIP code 55016?
ZIP code 55016 in Cottage Grove, MN has a population of 34,204 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 55016?
The median household income in ZIP 55016 is $120,715, which is 58% above the national average of $76,288.
What is the average home value in ZIP 55016?
The median home value in ZIP 55016 is $377,700, which is 36% above the national average of $278,155.
What is the demographic makeup of ZIP 55016?
The largest racial group in ZIP 55016 is White at 74.2%. Hispanic or Latino residents make up 7.7% of the population.
How many businesses are in ZIP code 55016?
ZIP code 55016 has 537 business establishments employing approximately 9,224 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 55016?
The top industries by establishment count in ZIP 55016 are: Health care and social assistance (80), Construction (79), Professional, scientific, and technical services (59). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 55016?
According to the FHFA House Price Index, home values in ZIP 55016 increased by 2.3% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 122%. 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 55016?
In ZIP code 55016, 64.4% of residents aged 25+ have a high school diploma or higher, and 40.8% 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 55016?
The mean commute time for workers in ZIP code 55016 is 23.9 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 55016?
In ZIP code 55016, approximately 88.2% of occupied housing units are owner-occupied and 11.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 55016?
The poverty rate in ZIP code 55016 is 4.2% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 55016's numbers, next.
- See how ZIP 55016 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Cottage Grove, MN ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.