PlainZIP

Saint Charles, MN · standard

ZIP Code 55972

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

4,995
22/sq mi
$98,878
Median income
$287,800
Median home value
31.1%
Bachelor's or higher

The verdict

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

Top 20%
household income, US ZIPs
Top 35%
home value, US ZIPs
22
people per sq mi
84%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 55972 against every reporting US ZIP.

ZIP code 55972 covers 225.0 square miles in Saint Charles, Winona County, Minnesota (a standard USPS delivery area), with a modest 4,995 residents on file, a density of 22 people per square mile, in the Chicago time zone.

ZIP 55972 lands in the middle-income range, with a median household income of $98,878 (20% above the Minnesota average), while per-capita income is $46,697. The poverty rate stands at 4.8% and the unemployment rate at 0.5%. On housing, the median home value is $287,800 (13% above the state average) with median rent at $1,011 per month, and 83.5% of occupied units are owner-occupied.

A solid share of residents have a four-year degree: 31.1% of adults hold a bachelor's degree or higher, the median age is 38.7, and the average commute is 24 minutes. To put 55972 in local context, 4 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Winona County, for a geography-aware comparison.

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 55972

Top 5 sectors by establishment count in Saint Charles, MN

Which industries have the most business establishments in ZIP 55972.

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 55972, Saint Charles, 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

4,995

Population

225.0

Area (sq mi)

22

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 55972?

38.7

Median Age

52.7%

Male

47.3%

Female

5.4%

Foreign-Born

White 89.3%
African American 0.0%
Asian 6.6%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 1.4%
Hispanic or Latino 3.7%

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?

$98,878

Median Household Income

+20% vs state

$46,697

Per Capita Income

4.8%

Poverty Rate

0.5%

Unemployment Rate

23.7 min

Mean Commute Time

How ZIP 55972 ranks nationally

Saint Charles, MN household income vs. every US ZIP code

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

$98,878 Top 20% higher than 80% 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 52.3%
Bachelor's Degree or Higher 31.1%

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

What does housing look like?

2,140

Total Housing Units

2,003

Occupied Units

137

Vacant Units

2.69

Avg Household Size

Occupancy Type

Owner 83.5%
Renter 16.5%

$287,800

Median Home Value

+13% vs state

$1,011

Median Rent

1976

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

+10.8%

YoY Change (2024)

230

HPI Index (2000 = 100)

+130%

Total Change Since 2000

Home values in ZIP 55972 have increased 10.8% over the past year (2024). Since 2000, this ZIP has seen +130% cumulative appreciation.

Year Annual Change HPI Index
2020 +1.5% 158
2021 +6.8% 169
2022 +15.3% 195
2023 +6.8% 208
2024 +10.8% 230

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 95 business establishments in ZIP 55972, employing approximately 848 people with a combined annual payroll of $31,689,000.

95

Businesses

848

Employees

$31.7M

Annual Payroll

10

Industry Sectors

Industry Establishments % of Total
Retail trade 15 15.8%
Construction 13 13.7%
Other services (except public administration) 12 12.6%
Health care and social assistance 10 10.5%
Finance and insurance 8 8.4%
Professional, scientific, and technical services 8 8.4%
Accommodation and food services 8 8.4%
Wholesale trade 7 7.4%
Manufacturing 4 4.2%
Transportation and warehousing 3 3.2%

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 55972 vs 55929 →

ZIP 55972 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 55972 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 55972 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 55972 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
55929 Dover, MN 1,209 4.7 mi
55979 Utica, MN 1,143 7.1 mi
55910 Altura, MN 1,423 10.2 mi
55923 Chatfield, MN 4,469 12.1 mi

More ZIP Codes in Winona County

55987 standard
Winona, MN
Pop: 35,629
55952 standard
Lewiston, MN
Pop: 2,529
55959 standard
Minnesota City, MN
Pop: 2,321
55910 standard
Altura, MN
Pop: 1,423
55979 standard
Utica, MN
Pop: 1,143
55969 standard
Rollingstone, MN
Pop: 1,117

Related Areas

Winona County Saint Charles, MN Minnesota

Frequently Asked Questions

What county is ZIP code 55972 in? ▼
ZIP code 55972 (Saint Charles) is located in Winona County, Minnesota. Winona County contains multiple ZIP codes, see the full list at /counties/winona-mn.
What is the population of ZIP code 55972? ▼
ZIP code 55972 in Saint Charles, MN has a population of 4,995 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 55972? ▼
The median household income in ZIP 55972 is $98,878, which is 30% above the national average of $76,288.
What is the average home value in ZIP 55972? ▼
The median home value in ZIP 55972 is $287,800, which is 3% above the national average of $278,155.
What is the demographic makeup of ZIP 55972? ▼
The largest racial group in ZIP 55972 is White at 89.3%. Hispanic or Latino residents make up 3.7% of the population.
How many businesses are in ZIP code 55972? ▼
ZIP code 55972 has 95 business establishments employing approximately 848 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 55972? ▼
The top industries by establishment count in ZIP 55972 are: Retail trade (15), Construction (13), Other services (except public administration) (12). There are 10 industry sectors represented in total.
How have home values changed in ZIP code 55972? ▼
According to the FHFA House Price Index, home values in ZIP 55972 increased by 10.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 130%. 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 55972? ▼
In ZIP code 55972, 52.3% of residents aged 25+ have a high school diploma or higher, and 31.1% 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 55972? ▼
The mean commute time for workers in ZIP code 55972 is 23.7 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 55972? ▼
In ZIP code 55972, approximately 83.5% of occupied housing units are owner-occupied and 16.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 55972? ▼
The poverty rate in ZIP code 55972 is 4.8% 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.