ZIP Code 56320

ZIP code 56320 is classified by USPS as a standard delivery area and covers roughly 138.8 square miles in Cold Spring, Stearns County, Minnesota. The area is home to 8,080 residents, producing a population density of 58 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 56320 against Minnesota and the nation.

On the economic side, the median household income for ZIP 56320 sits at $87,026 (6% above the Minnesota average), while per-capita income is $45,147. The poverty rate stands at 6.4% and the unemployment rate at 4.8%. On housing, the median home value is $353,600 (38% above the state average) with median rent at $1,390 per month, and 79.8% of occupied units are owner-occupied, a direct signal of whether 56320 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 32.5% of adults hold a bachelor's degree or higher, the median age is 42.9, and the average commute is 25 minutes. We also surface 5 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Stearns County, so you can benchmark 56320 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 →