Residential delivery area · Minnesota
ZIP Code 55616: Two Harbors, MN
ZIP code 55616 uses the postal name Two Harbors, Minnesota and lies mostly in Lake County (91% of its land) with the rest in St. Louis County (Census 2020 ZIP-county file). About 7,300 people live there (Census Bureau, ACS 2020-2024). Median household income is $76,127 (Census Bureau, ACS 2020-2024). By Census place, under 1% of its land lies in Two Harbors; more than 99% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Two Harbors · its only residential ZIP
- County
- Lake County (91%); St. Louis County (9%)
- Census places
- Two Harbors
- House district
- MN-8 119th Congress
- State
- Minnesota
- Time zone
- Central
- Land area
- 479.8 sq mi · 15 people per sq mi
Where is ZIP code 55616?
55616 centers on 47.251°, -91.692° and covers 479.8 square miles of land plus 17.0 of water. It borders 8 ZIP codes: 55602, 55601, 55614, 55609, 55750, 55803, 55804, 55607.
The map draws ZIP code areas only. For the streets inside 55616, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 55616 compare with the rest of Lake County?
| Measure | 55616 | In Lake County | In MN |
|---|---|---|---|
| People (ACS 2020-2024) | 7,250 | 1st of 9 | 206th of 881 |
| Median household income | $76k | 1st of 3 | 324th of 545 |
| Median home value | $259k | 1st of 3 | 312th of 558 |
Its median household income is higher than in 57% of U.S. residential ZIP codes, and it is denser than 22% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 55616?
The 2020 Census counted 7,024 people in 55616; the ACS, which samples households over 2020-2024, estimates 7,250. Its boundary changed between the 2010 and 2020 censuses, so the two counts are not compared.
- People, ACS 2020-2024
- 7,250
- 2020 Census count
- 7,024
- Households
- 3,070
- Median age
- 44.3
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 55616?
Of the 7,250 people the ACS estimates in 55616, 21.5% are under 18 and 22.6% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (94.7%).
- Under 1821.5%
- 18 to 6455.9%
- 65 and older22.6%
- White, not Hispanic94.7%
- Other or two or more3.4%
- Hispanic or Latino1.3%
- Asian, not Hispanic0.4%
- Black, not Hispanic0.3%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 55616 earn?
Median household income is $76,127 (ACS 2020-2024), the highest of the 3 ranked ZIP codes in Lake County.
- Median household income
- $76,127
- Income per person
- $39,638
- Below the poverty line
- 7.9%
- Unemployed (of the labor force)
- 2.0%
- Adults 25+ with a bachelor's degree
- 25.0%
- Adjusted gross income per tax return, 2022
- $70,7483,450 returns; wages 65% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 55616?
FHFA's house price index for 55616, built from repeat sales and appraisals of the same homes, rose 80% from 2015 to 2025 and rose 46% from 2020 to 2025, and moved +4.7% in 2025.
- Median home value (owners' estimate)
- $259,200
- Median gross rent
- $1,096
- Homes owned by their occupants
- 80.3%
- Housing units
- 4,159
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 55616?
205 business establishments had a location in this ZIP code in 2023, 25 more than in 2018; the most are in accommodation and food services (ZIP Code Business Patterns).
- Accommodation and food services41
- Retail trade31
- Health care and social assistance26
- Other services (except public administration)22
- Construction19
- Administrative and support and waste management and remediation services16
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 55616?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 55602 | Brimson | 346 | $74k | 12.1 mi |
| 55601 | Beaver Bay | 128 | $56k | 15.3 mi |
| 55614 | Silver Bay | 2,485 | $73k | 15.9 mi |
| 55609 | Knife River | 131 | $78k | 20.2 mi |
| 55750 | Hoyt Lakes | 2,068 | $66k | 23.2 mi |
| 55803 | Duluth | 17,662 | $106k | 23.3 mi |
| 55804 | Duluth | 15,922 | $111k | 24.9 mi |
| 55607 | Isabella | 192 | $88k | 27.1 mi |
| 55763 | Makinen | 495 | $81k | 25.9 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.