Crosby, MN · standard
ZIP Code 56441
Crow Wing County, Minnesota - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 3,596
- 18/sq mi Moderate-density area
- $50,298
- Median income Below-median income area
- $208,700
- Median home value Near-median home value
- 18.6%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Crosby pairs one of the lowest household incomes in the country with below-median home values, in a rural, homeowner-dominated area.
- 15th pct
- household income, US ZIPs
- 46th pct
- home value, US ZIPs
- 18
- people per sq mi
- 67%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 56441 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 56441 (Crosby, MN) fell -5.4% from 2023 to 2024. The all-transactions index moved from 244.5 in 2023 to 231.4 in 2024 (2000 = 100).
ZIP code 56441 covers 205.5 square miles in Crosby, Crow Wing County, Minnesota (a standard USPS delivery area), with a modest 3,596 residents on file, a density of 18 people per square mile, in the Chicago time zone.
ZIP 56441 reports a modest median household income of $50,298 (39% below the average Minnesota ZIP), while per-capita income is $36,693. The poverty rate is 14.5%, with unemployment at 6.4%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $208,700 (18% below the average Minnesota ZIP), and median rent is $856; owner occupancy is 67.1%.
Educational attainment sits below the national norm: 18.6% of adults hold a bachelor's degree or higher, the median age is 55.4, and the average commute is 22 minutes. The page also surfaces 3 ZIP codes within roughly 10 miles and 6 more in Crow Wing County, so 56441 can be compared with both its immediate and county-level context.
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 56441
Top 5 sectors by establishment count in Crosby, MN
Which industries have the most business establishments in ZIP 56441.
- Retail trade
Retail trade
22 establishments
- Accommodation and food services
Accommodation and food services
18 establishments
- Health care and social assistance
Health care and social assistance
10 establishments
- Construction
Construction
9 establishments
- Other services (except public administration)
Other services (except public administration)
9 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 + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 56441, Crosby, 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
3,596
Population
205.5
Area (sq mi)
18
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 56441?
55.4
Median Age
49.8%
Male
50.2%
Female
0.5%
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?
$50,298
Median Household Income
-39% vs state ZIP avg
$36,693
Per Capita Income
14.5%
Poverty Rate
6.4%
Unemployment Rate
22.4 min
Mean Commute Time
How ZIP 56441 ranks among Minnesota ZIPs
Crosby, MN household income vs. every Minnesota ZIP code
Median household income among 864 reporting Minnesota ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$50,298 3rd percentile higher than 3% of 864 Minnesota ZIPs
Each bar is a $20K-wide band; taller bars hold more Minnesota 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?
Housing stock: occupied vs vacant
2,093housing units
2,093
Total Housing Units
1,694
Occupied Units
399
Vacant Units
1.90
Avg Household Size
Occupancy Type
$208,700
Median Home Value
-18% vs state ZIP avg
$856
Median Rent
1974
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
-5.4%
YoY Change (2024)
231
HPI Index (2000 = 100)
+131%
Total Change Since 2000
Home values in ZIP 56441 have decreased 5.4% over the past year (2024). Since 2000, this ZIP has seen +131% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +0.6% | 145 |
| 2021 | +17.5% | 170 |
| 2022 | +14.8% | 195 |
| 2023 | +25.3% | 244 |
| 2024 | -5.4% | 231 |
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 94 business establishments in ZIP 56441, employing approximately 1,969 people with a combined annual payroll of $122,575,000.
94
Businesses
1,969
Employees
$122.6M
Annual Payroll
9
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 22 | 23.4% |
| Accommodation and food services | 18 | 19.1% |
| Health care and social assistance | 10 | 10.6% |
| Construction | 9 | 9.6% |
| Other services (except public administration) | 9 | 9.6% |
| Manufacturing | 6 | 6.4% |
| Finance and insurance | 4 | 4.3% |
| Professional, scientific, and technical services | 4 | 4.3% |
| Administrative and support and waste management and remediation services | 4 | 4.3% |
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 56441 vs 56455 →
ZIP 56441 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 56441
Crosby (56441)
3,596 residents
- 56442
Crosslake (56442)
2,381 residents
- 56465
Merrifield (56465)
2,062 residents
- 56455
Ironton (56455)
1,488 residents
What this shows Among its immediate neighbors, ZIP 56441 ranks the most populous - useful context the national average alone can't give.
ZIP 56441 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 56442
Crosslake (56442)
$79,896 median income
- 56465
Merrifield (56465)
$74,400 median income
- 56455
Ironton (56455)
$73,214 median income
- 56441
Crosby (56441)
$50,298 median income
What this shows By household income, ZIP 56441 ranks #4 of 4 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 56441, both outside MN so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (3,596 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Crow Wing County
Related Areas
Frequently Asked Questions
What county is ZIP code 56441 in?
ZIP code 56441 (Crosby) is located in Crow Wing County, Minnesota. Crow Wing County contains multiple ZIP codes, see the full list at /counties/crow-wing-mn.
What is the population of ZIP code 56441?
ZIP code 56441 in Crosby, MN has a population of 3,596 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 56441?
The median household income in ZIP 56441 is $50,298, which is 34% below the national average of $76,288.
What is the average home value in ZIP 56441?
The median home value in ZIP 56441 is $208,700, which is 25% below the national average of $278,155.
What is the demographic makeup of ZIP 56441?
The largest racial group in ZIP 56441 is White at 92.5%. Hispanic or Latino residents make up 0.3% of the population.
How many businesses are in ZIP code 56441?
ZIP code 56441 has 94 business establishments employing approximately 1,969 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 56441?
The top industries by establishment count in ZIP 56441 are: Retail trade (22), Accommodation and food services (18), Health care and social assistance (10). There are 9 industry sectors represented in total.
How have home values changed in ZIP code 56441?
According to the FHFA House Price Index, home values in ZIP 56441 decreased by 5.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 131%. 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 56441?
In ZIP code 56441, 58.1% of residents aged 25+ have a high school diploma or higher, and 18.6% 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 56441?
The mean commute time for workers in ZIP code 56441 is 22.4 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 56441?
In ZIP code 56441, approximately 67.1% of occupied housing units are owner-occupied and 32.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 56441?
The poverty rate in ZIP code 56441 is 14.5% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 56441's numbers, next.
- See how ZIP 56441 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Crosby, MN ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.