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 classified by USPS as a standard delivery area and covers roughly 75.6 square miles in Cottage Grove, Washington County, Minnesota. The area is home to 34,204 residents, producing a population density of 453 people per square mile, and falls within the Chicago time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 55016 against Minnesota and the nation.
On the economic side, the median household income for ZIP 55016 sits at $120,715 (47% above the Minnesota average), while per-capita income is $49,566. The poverty rate stands at 4.2% and the unemployment rate at 3.7%. On housing, the median home value is $377,700 (48% above the state average) with median rent at $1,790 per month, and 88.2% of occupied units are owner-occupied, a direct signal of whether 55016 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 40.8% of adults hold a bachelor's degree or higher, the median age is 36.4, and the average commute is 24 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Washington County, so you can benchmark 55016 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 55016
Top 5 sectors by establishment count
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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, 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; HUD FMR + 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
$49,566
Per Capita Income
4.2%
Poverty Rate
3.7%
Unemployment Rate
23.9 min
Mean Commute Time
How ZIP 55016 ranks nationally
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?
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
$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 |
More ZIP Codes in Washington County
Related Areas
Frequently Asked Questions
What county is ZIP code 55016 in? ▼
What is the population of ZIP code 55016? ▼
What is the median household income in ZIP 55016? ▼
What is the average home value in ZIP 55016? ▼
What is the demographic makeup of ZIP 55016? ▼
How many businesses are in ZIP code 55016? ▼
What are the main industries in ZIP code 55016? ▼
How have home values changed in ZIP code 55016? ▼
What is the education level in ZIP code 55016? ▼
What is the average commute time in ZIP 55016? ▼
What percentage of residents own vs. rent in ZIP 55016? ▼
What is the poverty rate in ZIP code 55016? ▼
ZIP Code Research Guides
Official Data Resources for Cottage Grove, MN
Verify and explore additional data for this area using these official government sources.
Read our methodology to see how this data is sourced, computed, and verified.