Moorhead, MN · standard
ZIP Code 56560
Clay County, Minnesota - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 40,766
- 99/sq mi Moderate-density area
- $75,406
- Median income Near-median income area
- $253,200
- Median home value Near-median home value
- 41.6%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Moorhead pairs an above-median household income with above-median home values, in a rural, mixed-tenure area.
- Top 45%
- household income, US ZIPs
- Top 42%
- home value, US ZIPs
- 99
- people per sq mi
- 59%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 56560 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 56560 (Moorhead, MN) rose +4.5% from 2023 to 2024. The all-transactions index moved from 242.3 in 2023 to 253.3 in 2024 (2000 = 100).
ZIP code 56560 is a densely settled ZIP (a standard USPS delivery area) in Moorhead, Clay County, Minnesota, with 40,766 residents across 410.1 square miles, a density of 99 people per square mile, in the Chicago time zone.
ZIP 56560 lands in the middle-income range, with a median household income of $75,406 (8% below the average Minnesota ZIP), while per-capita income is $39,316. The poverty rate is 15.7%, with unemployment at 4.5%; those measures add context to the income figure. Median home value is $253,200 (1% below the average Minnesota ZIP) and median rent is $1,035; 59.0% of occupied homes are owner-occupied.
A solid share of residents have a four-year degree: 41.6% of adults hold a bachelor's degree or higher, the median age is 32.9, and the average commute is 18 minutes. The page also surfaces 7 ZIP codes within roughly 10 miles and 6 more in Clay County, so 56560 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 56560
Top 5 sectors by establishment count in Moorhead, MN
Which industries have the most business establishments in ZIP 56560.
- Health care and social assistance
Health care and social assistance
156 establishments
- Construction
Construction
98 establishments
- Retail trade
Retail trade
93 establishments
- Other services (except public administration)
Other services (except public administration)
93 establishments
- Accommodation and food services 61
Accommodation and food services
61 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 56560, Moorhead, 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
40,766
Population
410.1
Area (sq mi)
99
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 56560?
32.9
Median Age
50.2%
Male
49.8%
Female
5.6%
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?
$75,406
Median Household Income
-8% vs state ZIP avg
$39,316
Per Capita Income
15.7%
Poverty Rate
4.5%
Unemployment Rate
18.0 min
Mean Commute Time
How ZIP 56560 ranks nationally
Moorhead, MN household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$75,406 Top 45% higher than 55% 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?
Housing stock: occupied vs vacant
19,656housing units
19,656
Total Housing Units
18,941
Occupied Units
715
Vacant Units
2.29
Avg Household Size
Occupancy Type
$253,200
Median Home Value
-1% vs state ZIP avg
$1,035
Median Rent
1982
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
+4.5%
YoY Change (2024)
253
HPI Index (2000 = 100)
+153%
Total Change Since 2000
Home values in ZIP 56560 have increased 4.5% over the past year (2024). Since 2000, this ZIP has seen +153% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +1.4% | 195 |
| 2021 | +6.9% | 209 |
| 2022 | +9.9% | 229 |
| 2023 | +5.7% | 242 |
| 2024 | +4.5% | 253 |
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 817 business establishments in ZIP 56560, employing approximately 11,143 people with a combined annual payroll of $487,151,000.
817
Businesses
11,143
Employees
$487.2M
Annual Payroll
17
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Health care and social assistance | 156 | 19.1% |
| Construction | 98 | 12.0% |
| Retail trade | 93 | 11.4% |
| Other services (except public administration) | 93 | 11.4% |
| Accommodation and food services | 61 | 7.5% |
| Professional, scientific, and technical services | 57 | 7.0% |
| Finance and insurance | 55 | 6.7% |
| Real estate and rental and leasing | 38 | 4.7% |
| Administrative and support and waste management and remediation services | 38 | 4.7% |
| Wholesale trade | 29 | 3.5% |
| Arts, entertainment, and recreation | 24 | 2.9% |
| Manufacturing | 23 | 2.8% |
| Transportation and warehousing | 23 | 2.8% |
| Educational services | 10 | 1.2% |
| Information | 9 | 1.1% |
| Agriculture, forestry, fishing and hunting | 4 | 0.5% |
| Management of companies and enterprises | 4 | 0.5% |
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 56560 vs 56529 →
ZIP 56560 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 58103
Fargo (58103)
47,302 residents
- 56560
Moorhead (56560)
40,766 residents
- 58102
Fargo (58102)
29,850 residents
- 58104
Fargo (58104)
28,322 residents
- 56529 4,026
Dilworth (56529)
4,026 residents
- 58047 3,560
Horace (58047)
3,560 residents
- 58105 2,483
Fargo (58105)
2,483 residents
- 56580 1,171
Sabin (56580)
1,171 residents
What this shows Among its immediate neighbors, ZIP 56560 ranks #2 by population - useful context the national average alone can't give.
ZIP 56560 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 58047
Horace (58047)
$142,361 median income
- 58105
Fargo (58105)
$123,636 median income
- 56580
Sabin (56580)
$107,813 median income
- 56529
Dilworth (56529)
$90,694 median income
- 58104
Fargo (58104)
$85,747 median income
- 56560
Moorhead (56560)
$75,406 median income
- 58102
Fargo (58102)
$59,533 median income
- 58103
Fargo (58103)
$58,801 median income
What this shows By household income, ZIP 56560 ranks #6 of 8 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 56560, 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 (40,766 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Clay County
Related Areas
Frequently Asked Questions
What county is ZIP code 56560 in?
ZIP code 56560 (Moorhead) is located in Clay County, Minnesota. Clay County contains multiple ZIP codes, see the full list at /counties/clay-mn.
What is the population of ZIP code 56560?
ZIP code 56560 in Moorhead, MN has a population of 40,766 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 56560?
The median household income in ZIP 56560 is $75,406, which is 1% below the national average of $76,288.
What is the average home value in ZIP 56560?
The median home value in ZIP 56560 is $253,200, which is 9% below the national average of $278,155.
What is the demographic makeup of ZIP 56560?
The largest racial group in ZIP 56560 is White at 82.4%. Hispanic or Latino residents make up 5.3% of the population.
How many businesses are in ZIP code 56560?
ZIP code 56560 has 817 business establishments employing approximately 11,143 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 56560?
The top industries by establishment count in ZIP 56560 are: Health care and social assistance (156), Construction (98), Retail trade (93). There are 17 industry sectors represented in total.
How have home values changed in ZIP code 56560?
According to the FHFA House Price Index, home values in ZIP 56560 increased by 4.5% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 153%. 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 56560?
In ZIP code 56560, 63.3% of residents aged 25+ have a high school diploma or higher, and 41.6% 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 56560?
The mean commute time for workers in ZIP code 56560 is 18.0 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 56560?
In ZIP code 56560, approximately 59.0% of occupied housing units are owner-occupied and 41.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 56560?
The poverty rate in ZIP code 56560 is 15.7% 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 56560's numbers, next.
- See how ZIP 56560 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Moorhead, 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.