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 is classified by USPS as a standard delivery area and covers roughly 225.0 square miles in Saint Charles, Winona County, Minnesota. The area is home to 4,995 residents, producing a population density of 22 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 55972 against Minnesota and the nation.
On the economic side, the median household income for ZIP 55972 sits at $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 direct signal of whether 55972 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 31.1% of adults hold a bachelor's degree or higher, the median age is 38.7, and the average commute is 24 minutes. We also surface 4 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Winona County, so you can benchmark 55972 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 55972
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 55972.
- Retail trade
Retail trade
15 establishments
- Construction
Construction
13 establishments
- Other services (except public administration)
Other services (except public administration)
12 establishments
- Health care and social assistance
Health care and social assistance
10 establishments
- Finance and insurance
Finance and insurance
8 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, 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 55972, Saint Charles, 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
4,995
Population
225.0
Area (sq mi)
22
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 55972?
38.7
Median Age
52.7%
Male
47.3%
Female
5.4%
Foreign-Born
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
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
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?
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
$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.
- 55972
Saint Charles (55972)
4,995 residents
- 55923
Chatfield (55923)
4,469 residents
- 55910 1,423
Altura (55910)
1,423 residents
- 55929 1,209
Dover (55929)
1,209 residents
- 55979 1,143
Utica (55979)
1,143 residents
What this shows Among its immediate neighbors, ZIP 55972 ranks the most populous — useful context the national average alone can't give.
ZIP 55972 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 55929
Dover (55929)
$118,977 median income
- 55972
Saint Charles (55972)
$98,878 median income
- 55923
Chatfield (55923)
$96,328 median income
- 55979
Utica (55979)
$85,417 median income
- 55910
Altura (55910)
$76,389 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.
More ZIP Codes in Winona County
Related Areas
Frequently Asked Questions
What county is ZIP code 55972 in? ▼
What is the population of ZIP code 55972? ▼
What is the median household income in ZIP 55972? ▼
What is the average home value in ZIP 55972? ▼
What is the demographic makeup of ZIP 55972? ▼
How many businesses are in ZIP code 55972? ▼
What are the main industries in ZIP code 55972? ▼
How have home values changed in ZIP code 55972? ▼
What is the education level in ZIP code 55972? ▼
What is the average commute time in ZIP 55972? ▼
What percentage of residents own vs. rent in ZIP 55972? ▼
What is the poverty rate in ZIP code 55972? ▼
ZIP Code Research Guides
Official Data Resources for Saint Charles, MN
Verify and explore additional data for this area using these official government sources.
Read our methodology to see how this data is sourced, computed, and verified.