PlainZIP

Cotton, MN · standard

ZIP Code 55724

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

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 a sparsely populated ZIP (a standard USPS delivery area) in Cotton, St. Louis County, Minnesota, home to just 741 residents across 617.5 square miles, a density of 1 people per square mile, in the Chicago time zone.

ZIP 55724 lands in the middle-income range, with a median household income of $75,313 (8% below the Minnesota average), while per-capita income is $44,174. Local economic indicators show a 6.9% poverty rate alongside 3.1% unemployment. Median home value sits at $226,600 (11% below the state average), median rent at - a month, and owner-occupancy at 93.4%.

Educational attainment sits below the national norm: 27.9% of adults hold a bachelor's degree or higher, the median age is 59.2, and the average commute is -. A geography-based comparison follows: 2 ZIP codes within about 10 miles of 55724, plus 6 more within St. Louis 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 →

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 55724, Cotton, 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

741

Population

617.5

Area (sq mi)

1

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

Cotton, MN 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

$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%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $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 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.

12

Businesses

68

Employees

$2.8M

Annual Payroll

1

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 →

ZIP 55724 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 55724 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
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

55811 standard
Duluth, MN
Pop: 26,246
55803 standard
Duluth, MN
Pop: 17,431
55746 standard
Hibbing, MN
Pop: 17,228
55804 standard
Duluth, MN
Pop: 14,592
55812 standard
Duluth, MN
Pop: 10,924
55805 standard
Duluth, MN
Pop: 10,194

Related Areas

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.

Read our methodology to see how this data is sourced, computed, and verified.