PlainZIP

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
$120,715
Median income
$377,700
Median home value
40.8%
Bachelor's or higher

The verdict

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.

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 Minnesota average), while per-capita income is $49,566. Local economic indicators show a 4.2% poverty rate alongside 3.7% unemployment. Median home value sits at $377,700 (48% above the state average), median rent at $1,790 a month, and owner-occupancy at 88.2%.

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. To put 55016 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Washington 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 55016

Top 5 sectors by establishment count in Cottage Grove, MN

Which industries have the most business establishments in ZIP 55016.

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 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

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 55016?

36.4

Median Age

49.5%

Male

50.5%

Female

8.5%

Foreign-Born

White 74.2%
African American 6.6%
Asian 7.4%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 9.1%
Hispanic or Latino 7.7%

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

$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

$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%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). This entry sits in this band. $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 64.4%
Bachelor's Degree or Higher 40.8%

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

What does housing look like?

14,375

Total Housing Units

14,283

Occupied Units

92

Vacant Units

2.84

Avg Household Size

Occupancy Type

Owner 88.2%
Renter 11.8%

$377,700

Median Home Value

+48% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 55016 ranks #3 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 55016 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 55016 ranks #2 of 9 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
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

More ZIP Codes in Washington County

55125 standard
Saint Paul, MN
Pop: 43,281
55110 standard
Saint Paul, MN
Pop: 37,759
55082 standard
Stillwater, MN
Pop: 35,024
55128 standard
Saint Paul, MN
Pop: 28,113
55025 standard
Forest Lake, MN
Pop: 23,244
55038 standard
Hugo, MN
Pop: 20,816

Related Areas

Washington County Cottage Grove, MN Minnesota

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.

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