PlainZIP

Shafer, MN · standard

ZIP Code 55074

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

2,222
25/sq mi
$106,625
Median income
$297,500
Median home value
24.6%
Bachelor's or higher

The verdict

Shafer pairs an upper-quartile household income with above-median home values, in a rural, homeowner-dominated area.

Top 15%
household income, US ZIPs
Top 34%
home value, US ZIPs
25
people per sq mi
90%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 55074 against every reporting US ZIP.

ZIP code 55074 covers 90.0 square miles in Shafer, Chisago County, Minnesota (a standard USPS delivery area), with a modest 2,222 residents on file, a density of 25 people per square mile, in the Chicago time zone.

ZIP 55074 lands in the middle-income range, with a median household income of $106,625 (30% above the Minnesota average), while per-capita income is $44,752. Local economic indicators show a 5.4% poverty rate alongside 1.6% unemployment. Housing costs here run $297,500 for a typical home value (16% above the state average), with rent averaging $962 a month; 90.2% of homes are owner-occupied.

Educational attainment sits below the national norm: 24.6% of adults hold a bachelor's degree or higher, the median age is 40.1, and the average commute is 38 minutes. A geography-based comparison follows: 6 ZIP codes within about 10 miles of 55074, plus 6 more within Chisago County, give a clearer read than the national average alone.

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 55074

Top 5 sectors by establishment count in Shafer, MN

Which industries have the most business establishments in ZIP 55074.

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 55074, Shafer, 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

2,222

Population

90.0

Area (sq mi)

25

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 55074?

40.1

Median Age

52.9%

Male

47.1%

Female

3.1%

Foreign-Born

White 87.4%
African American 0.2%
Asian 1.5%
American Indian or Alaska Native 0.2%
Native Hawaiian or Pacific Islander 0.2%
Two or More Ethnicities 9.3%
Hispanic or Latino 4.7%

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?

$106,625

Median Household Income

+30% vs state

$44,752

Per Capita Income

5.4%

Poverty Rate

1.6%

Unemployment Rate

37.5 min

Mean Commute Time

How ZIP 55074 ranks nationally

Shafer, MN household income vs. every US ZIP code

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

$106,625 Top 15% higher than 85% 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 56.5%
Bachelor's Degree or Higher 24.6%

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

What does housing look like?

939

Total Housing Units

901

Occupied Units

38

Vacant Units

2.65

Avg Household Size

Occupancy Type

Owner 90.2%
Renter 9.8%

$297,500

Median Home Value

+16% vs state

$962

Median Rent

1993

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

+1.1%

YoY Change (2024)

217

HPI Index (2000 = 100)

+117%

Total Change Since 2000

Home values in ZIP 55074 have increased 1.1% over the past year (2024). Since 2000, this ZIP has seen +117% cumulative appreciation.

Year Annual Change HPI Index
2020 +9.0% 163
2021 +12.1% 182
2022 +12.9% 206
2023 +4.2% 215
2024 +1.1% 217

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 40 business establishments in ZIP 55074, employing approximately 175 people with a combined annual payroll of $27,110,000.

40

Businesses

175

Employees

$27.1M

Annual Payroll

5

Industry Sectors

Industry Establishments % of Total
Construction 12 30.0%
Manufacturing 3 7.5%
Retail trade 3 7.5%
Arts, entertainment, and recreation 3 7.5%
Other services (except public administration) 3 7.5%

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 55074 vs 55084 →

ZIP 55074 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 55074 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 55074 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 55074 ranks #3 of 7 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
55084 Taylors Falls, MN 1,628 5.4 mi
55045 Lindstrom, MN 7,577 4.8 mi
55012 Center City, MN 2,078 4.7 mi
54020 Osceola, WI 7,260 8.3 mi
54024 Saint Croix Falls, WI 4,811 8.9 mi
55073 Scandia, MN 3,237 8.9 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 Shafer, MN Minnesota

Frequently Asked Questions

What county is ZIP code 55074 in? ▼
ZIP code 55074 (Shafer) 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 55074? ▼
ZIP code 55074 in Shafer, MN has a population of 2,222 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 55074? ▼
The median household income in ZIP 55074 is $106,625, which is 40% above the national average of $76,288.
What is the average home value in ZIP 55074? ▼
The median home value in ZIP 55074 is $297,500, which is 7% above the national average of $278,155.
What is the demographic makeup of ZIP 55074? ▼
The largest racial group in ZIP 55074 is White at 87.4%. Hispanic or Latino residents make up 4.7% of the population.
How many businesses are in ZIP code 55074? ▼
ZIP code 55074 has 40 business establishments employing approximately 175 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 55074? ▼
The top industries by establishment count in ZIP 55074 are: Construction (12), Manufacturing (3), Retail trade (3). There are 5 industry sectors represented in total.
How have home values changed in ZIP code 55074? ▼
According to the FHFA House Price Index, home values in ZIP 55074 increased by 1.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 117%. 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 55074? ▼
In ZIP code 55074, 56.5% of residents aged 25+ have a high school diploma or higher, and 24.6% 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 55074? ▼
The mean commute time for workers in ZIP code 55074 is 37.5 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 55074? ▼
In ZIP code 55074, approximately 90.2% of occupied housing units are owner-occupied and 9.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 55074? ▼
The poverty rate in ZIP code 55074 is 5.4% 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.