Howard Lake, MN · standard

ZIP Code 55349

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

3,887
23/sq mi
$99,444
Median income
$321,300
Median home value
23.2%
Bachelor's or higher

The verdict

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

Top 19%
household income, US ZIPs
Top 30%
home value, US ZIPs
23
people per sq mi
82%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 55349 against every reporting US ZIP.

ZIP code 55349 is classified by USPS as a standard delivery area and covers roughly 169.7 square miles in Howard Lake, Wright County, Minnesota. The area is home to 3,887 residents, producing a population density of 23 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 55349 against Minnesota and the nation.

On the economic side, the median household income for ZIP 55349 sits at $99,444 (21% above the Minnesota average), while per-capita income is $44,601. The poverty rate stands at 9.1% and the unemployment rate at 1.6%. On housing, the median home value is $321,300 (26% above the state average) with median rent at $937 per month, and 82.0% of occupied units are owner-occupied, a direct signal of whether 55349 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 23.2% of adults hold a bachelor's degree or higher, the median age is 48.2, and the average commute is 31 minutes. We also surface 4 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Wright County, so you can benchmark 55349 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 55349

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 55349.

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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 55349, Howard Lake, 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

3,887

Population

169.7

Area (sq mi)

23

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 55349?

48.2

Median Age

51.5%

Male

48.5%

Female

2.6%

Foreign-Born

White 92.4%
African American 0.4%
Asian 0.1%
American Indian or Alaska Native 0.3%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 4.6%
Hispanic or Latino 1.5%

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?

$99,444

Median Household Income

+21% vs state

$44,601

Per Capita Income

9.1%

Poverty Rate

1.6%

Unemployment Rate

30.6 min

Mean Commute Time

How ZIP 55349 ranks nationally

Household income vs. every US ZIP code

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

$99,444 Top 19% higher than 81% 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%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $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 63.3%
Bachelor's Degree or Higher 23.2%

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

What does housing look like?

1,714

Total Housing Units

1,530

Occupied Units

184

Vacant Units

2.29

Avg Household Size

Occupancy Type

Owner 82.0%
Renter 18.0%

$321,300

Median Home Value

+26% vs state

$937

Median Rent

1980

Median Year Built

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

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

-1.3%

YoY Change (2024)

200

HPI Index (2000 = 100)

+100%

Total Change Since 2000

Home values in ZIP 55349 have decreased 1.3% over the past year (2024). Since 2000, this ZIP has seen +100% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.2% 148
2021 +11.1% 165
2022 +15.0% 189
2023 +6.9% 202
2024 -1.3% 200

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 96 business establishments in ZIP 55349, employing approximately 1,214 people with a combined annual payroll of $61,774,000.

96

Businesses

1,214

Employees

$61.8M

Annual Payroll

12

Industry Sectors

Industry Establishments % of Total
Construction 23 24.0%
Other services (except public administration) 12 12.5%
Manufacturing 11 11.5%
Health care and social assistance 9 9.4%
Retail trade 7 7.3%
Transportation and warehousing 6 6.3%
Real estate and rental and leasing 6 6.3%
Administrative and support and waste management and remediation services 6 6.3%
Wholesale trade 4 4.2%
Professional, scientific, and technical services 4 4.2%
Accommodation and food services 4 4.2%
Finance and insurance 3 3.1%

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 55349 vs 55390 →

ZIP 55349 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 55349 ranks #2 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 55349 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 55349 ranks #2 of 5 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
55390 Waverly, MN 2,473 4.6 mi
55395 Winsted, MN 2,892 7.3 mi
55321 Cokato, MN 5,341 6.0 mi
55381 Silver Lake, MN 2,063 10.7 mi

More ZIP Codes in Wright County

Frequently Asked Questions

What county is ZIP code 55349 in?
ZIP code 55349 (Howard Lake) is located in Wright County, Minnesota. Wright County contains multiple ZIP codes, see the full list at /counties/wright-mn.
What is the population of ZIP code 55349?
ZIP code 55349 in Howard Lake, MN has a population of 3,887 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 55349?
The median household income in ZIP 55349 is $99,444, which is 30% above the national average of $76,288.
What is the average home value in ZIP 55349?
The median home value in ZIP 55349 is $321,300, which is 16% above the national average of $278,155.
What is the demographic makeup of ZIP 55349?
The largest racial group in ZIP 55349 is White at 92.4%. Hispanic or Latino residents make up 1.5% of the population.
How many businesses are in ZIP code 55349?
ZIP code 55349 has 96 business establishments employing approximately 1,214 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 55349?
The top industries by establishment count in ZIP 55349 are: Construction (23), Other services (except public administration) (12), Manufacturing (11). There are 12 industry sectors represented in total.
How have home values changed in ZIP code 55349?
According to the FHFA House Price Index, home values in ZIP 55349 decreased by 1.3% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 100%. 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 55349?
In ZIP code 55349, 63.3% of residents aged 25+ have a high school diploma or higher, and 23.2% 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 55349?
The mean commute time for workers in ZIP code 55349 is 30.6 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 55349?
In ZIP code 55349, approximately 82.0% of occupied housing units are owner-occupied and 18.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 55349?
The poverty rate in ZIP code 55349 is 9.1% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

ZIP Code Research Guides

Official Data Resources for Howard Lake, MN

Verify and explore additional data for this area using these official government sources.