Cotton, MN · standard

ZIP Code 55724

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

Reviewed by PlainZIP Editorial Team, ZIP Code Data Editors · June 11, 2026

741
1/sq mi: $75,313
Median income: $226,600
Median home value: 27.9%
Bachelor's or higher

The verdict

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

Top 45%
household income, US ZIPs: Top 49%
home value, US ZIPs: 1
people per sq mi: 93%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 55724 against every reporting US ZIP.

ZIP code 55724 is classified by USPS as a standard delivery area and covers roughly 617.5 square miles in Cotton, St. Louis County, Minnesota. The area is home to 741 residents, producing a population density of 1 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 55724 against Minnesota and the nation.

On the economic side, the median household income for ZIP 55724 sits at $75,313 (8% below the Minnesota average), while per-capita income is $44,174. The poverty rate stands at 6.9% and the unemployment rate at 3.1%. On housing, the median home value is $226,600 (11% below the state average) with median rent at — per month, and 93.4% of occupied units are owner-occupied, a direct signal of whether 55724 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 27.9% of adults hold a bachelor's degree or higher, the median age is 59.2, and the average commute is —. We also surface 2 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing St. Louis County, so you can benchmark 55724 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 →

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 55724, Cotton, MN · 2023 Accessed 2026-06-11 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

741

Population

617.5

Area (sq mi)

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 55724?

59.2

Median Age

53.9%

Male

46.1%

Female

1.0%

Foreign-Born

White 95.8%

African American 0.0%

Asian 0.0%

American Indian or Alaska Native 0.7%

Native Hawaiian or Pacific Islander 0.0%

Two or More Ethnicities 3.4%

Hispanic or Latino 0.8%

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?

$75,313

Median Household Income

-8% vs state

$44,174

Per Capita Income

6.9%

Poverty Rate

3.1%

Unemployment Rate

How ZIP 55724 ranks nationally

Household income vs. every US ZIP code

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

$75,313 Top 45% higher than 55% 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?

High School Graduate or Higher 61.3%

Bachelor's Degree or Higher 27.9%

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

What does housing look like?

917

Total Housing Units

365

Occupied Units

552

Vacant Units

1.92

Avg Household Size

Occupancy Type

Owner 93.4%

Renter 6.6%

$226,600

Median Home Value

-11% vs state

1978

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

+7.4%

YoY Change (2021)

179

HPI Index (2000 = 100)

+79%

Total Change Since 2000

Home values in ZIP 55724 have increased 7.4% over the past year (2021). Since 2000, this ZIP has seen +79% cumulative appreciation.

Year	Annual Change	HPI Index
2017	-6.7%	131
2018	+13.0%	149
2019	+7.6%	160
2020	+4.4%	167
2021	+7.4%	179

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 2021. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 12 business establishments in ZIP 55724, employing approximately 68 people with a combined annual payroll of $2,761,000.

Businesses

Employees

$2.8M

Annual Payroll

Industry Sectors

Industry	Establishments	% of Total
Construction	4	33.3%

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 55724 vs 55766 →

55724

741
55717

335
55766

43

What this shows Among its immediate neighbors, ZIP 55724 ranks the most populous — useful context the national average alone can't give.

ZIP Code	City	Population	Distance
55766	Melrude, MN	43	6.3 mi
55717	Canyon, MN	335	8.5 mi

More ZIP Codes in St. Louis County

St. Louis County Cotton, MN Minnesota

Frequently Asked Questions

What county is ZIP code 55724 in? ▼

ZIP code 55724 (Cotton) is located in St. Louis County, Minnesota. St. Louis County contains multiple ZIP codes, see the full list at /counties/st-louis-mn.

What is the population of ZIP code 55724? ▼

ZIP code 55724 in Cotton, MN has a population of 741 according to the Census Bureau ACS 2023 estimates.

What is the median household income in ZIP 55724? ▼

The median household income in ZIP 55724 is $75,313, which is 1% below the national average of $76,288.

What is the average home value in ZIP 55724? ▼

The median home value in ZIP 55724 is $226,600, which is 19% below the national average of $278,155.

What is the demographic makeup of ZIP 55724? ▼

The largest racial group in ZIP 55724 is White at 95.8%. Hispanic or Latino residents make up 0.8% of the population.

How many businesses are in ZIP code 55724? ▼

ZIP code 55724 has 12 business establishments employing approximately 68 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.

How have home values changed in ZIP code 55724? ▼

According to the FHFA House Price Index, home values in ZIP 55724 increased by 7.4% in 2021. Since 2000, home values in this ZIP have appreciated by approximately 79%. 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 55724? ▼

In ZIP code 55724, 61.3% of residents aged 25+ have a high school diploma or higher, and 27.9% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).

What percentage of residents own vs. rent in ZIP 55724? ▼

In ZIP code 55724, approximately 93.4% of occupied housing units are owner-occupied and 6.6% are renter-occupied, based on Census ACS 2023 data.

What is the poverty rate in ZIP code 55724? ▼

The poverty rate in ZIP code 55724 is 6.9% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.