Zip code 56320: Cold Spring, Minnesota

Q: What city is zip code 56320?

56320 is assigned to Cold Spring, Minnesota. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 56320 in?

56320 is in Stearns County, Minnesota.

Q: What is the population of 56320?

About 8,482 people live in 56320, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 56320?

The median household income in 56320 is $87,026.

Q: What zip codes are near 56320?

The closest zip codes to 56320 are 56369, 56368, 56321, 56301, 56374.

Residential delivery areaStearns CountyCentral Time

Population

8,482

Median household income

$87K

U.S. $81K

Median home value

$354K

U.S. $333K

Median rent

$1,390/mo

U.S. $1,413

Median age

42.9

U.S. 38.9

Land area

51 sq mi

166 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 56320

56320 is a small-town zip code in Cold Spring, Minnesota (Stearns County), covering 51 sq mi of land. About 8,482 people live here, or 166 per square mile. The median resident is 42.9 years old, compared with 38.9 nationally.

The median household earns $87,026 a year, close to the national median of $80,734. 6.4% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $353,600, or 4.1 years of median household income (U.S.: 4.1 years), which makes homes about as affordable as the national average for local earners. 80% of occupied homes are lived in by their owners, and renters pay a median of $1,390 a month.

33% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 24.9 minutes each way, and 11% of workers work from home. The most common jobs among working residents are in office and administrative support; transportation and moving goods; and sales.

How 56320 compares

Sorted from highest to lowest national percentile

Homeownership rate79.8%
78th
U.S. 65.2% · MN 72.2%563rd of 851 in MN
Rent-burdened renters57.9%
77th
U.S. 51.1% · MN 48.1%131st of 828 in MN
Residents 65 and older20.6%
77th
U.S. 17.2% · MN 17.3%398th of 854 in MN
Median age42.9
76th
U.S. 38.9 · MN 38.8389th of 854 in MN
Self-employed workers11.5%
73rd
U.S. 10% · MN 9.3%456th of 852 in MN
Veterans7.5%
72nd
U.S. 6.2% · MN 5.9%344th of 854 in MN
Per capita income$45,147
63rd
U.S. $44,673 · MN $48,237247th of 853 in MN
Residents under 1823.4%
62nd
U.S. 22% · MN 22.9%366th of 854 in MN
Median household income$87,026
59th
U.S. $80,734 · MN $89,062285th of 846 in MN
Median home value$353,600
54th
U.S. $332,700 · MN $329,300150th of 842 in MN
Median earnings per worker$48,941
52nd
U.S. $49,666 · MN $54,389429th of 851 in MN
Bachelor's degree or higher32.5%
51st
U.S. 35.7% · MN 39.4%201st of 854 in MN
Median gross rent$1,390
49th
U.S. $1,413 · MN $1,280119th of 757 in MN
Unemployment rate4.8%
49th
U.S. 5.2% · MN 4.1%242nd of 853 in MN
Housing vacancy6.6%
49th
U.S. 10.1% · MN 9.3%581st of 851 in MN
Healthcare workers9.2%
46th
U.S. 9.7% · MN 10.9%519th of 852 in MN
Average commute24.9 min
42nd
U.S. 26.4 min · MN 22.7 min377th of 849 in MN
Work from home11%
40th
U.S. 15.1% · MN 17.6%463rd of 852 in MN
Income inequality (Gini)0.420
36th
U.S. 0.483 · MN 0.453365th of 848 in MN
Tech workers1.6%
25th
U.S. 3.8% · MN 4%403rd of 852 in MN
Foreign-born residents4.1%
24th
U.S. 14.1% · MN 8.7%248th of 854 in MN
Broadband access88%
23rd
U.S. 91% · MN 91.6%510th of 851 in MN
Government workers10.6%
23rd
U.S. 14.5% · MN 12.9%629th of 852 in MN
Poverty rate6.4%
21st
U.S. 12.5% · MN 9.3%586th of 852 in MN
Population density166/sq mi
19th
U.S. 95/sq mi · MN 72/sq mi206th of 854 in MN
Population8,482
13th
U.S. 334,922,499 · MN 5,739,445191st of 854 in MN
Diversity index13.1
6th
U.S. 61.4 · MN 41.1593rd of 854 in MN
Uninsured rate1.8%
4th
StrengthU.S. 8.4% · MN 4.7%760th of 853 in MN

Measure	56320	Stearns	MN	U.S.	National percentile	Rank in MN
Homeownership rate	79.8%	67.9%	72.2%	65.2%	78th	563rd of 851
Rent-burdened renters	57.9%	49.9%	48.1%	51.1%	77th	131st of 828
Residents 65 and older	20.6%	16.1%	17.3%	17.2%	77th	398th of 854
Median age	42.9	35.1	38.8	38.9	76th	389th of 854
Self-employed workers	11.5%	8.8%	9.3%	10%	73rd	456th of 852
Veterans	7.5%	6.3%	5.9%	6.2%	72nd	344th of 854
Per capita income	$45,147	$38,286	$48,237	$44,673	63rd	247th of 853
Residents under 18	23.4%	23.6%	22.9%	22%	62nd	366th of 854
Median household income	$87,026	$77,066	$89,062	$80,734	59th	285th of 846
Median home value	$353,600	$273,400	$329,300	$332,700	54th	150th of 842
Median earnings per worker	$48,941	$45,354	$54,389	$49,666	52nd	429th of 851
Bachelor's degree or higher	32.5%	28.8%	39.4%	35.7%	51st	201st of 854
Median gross rent	$1,390	$1,068	$1,280	$1,413	49th	119th of 757
Unemployment rate	4.8%	4.1%	4.1%	5.2%	49th	242nd of 853
Housing vacancy	6.6%	7.8%	9.3%	10.1%	49th	581st of 851
Healthcare workers	9.2%	11.5%	10.9%	9.7%	46th	519th of 852
Average commute	24.9 min	21.7 min	22.7 min	26.4 min	42nd	377th of 849
Work from home	11%	10.6%	17.6%	15.1%	40th	463rd of 852
Income inequality (Gini)	0.420	0.438	0.453	0.483	36th	365th of 848
Tech workers	1.6%	2.4%	4%	3.8%	25th	403rd of 852
Foreign-born residents	4.1%	7.9%	8.7%	14.1%	24th	248th of 854
Broadband access	88%	90.6%	91.6%	91%	23rd	510th of 851
Government workers	10.6%	12.4%	12.9%	14.5%	23rd	629th of 852
Poverty rate	6.4%	12.9%	9.3%	12.5%	21st	586th of 852
Population density	166/sq mi	120/sq mi	72/sq mi	95/sq mi	19th	206th of 854
Population	8,482	160,865	5,739,445	334,922,499	13th	191st of 854
Diversity index	13.1	34.4	41.1	61.4	6th	593rd of 854
Uninsured rateStrength	1.8%	4.9%	4.7%	8.4%	4th	760th of 853

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

18%

5–17

10%

18–24

25–34

11%

35–44

11%

45–54

15%

55–64

65–74

11%

75+

Median age

42.9

Under 18

23.4%

65 and over

20.6%

Race and ethnicity

White93%
Black0.1%
Hispanic4%
Asian0.3%
Native American0.1%
Pacific Islander0%
Other0.4%
Multiracial2%

Diversity index

13.1

U.S. 61.4

Foreign-born

4.1%

U.S. 14.1%

Born in state

82.9%

Language spoken at home (households)

English only

94%

Spanish

Other Indo-European

Asian / Pacific

0.2%

Other

Households

Households: 3,389
Average household size: 2.5
Family households: 69.8%
Married couples: 56.8%
Living alone: 26.4%
Veterans (of adults): 7.5%
Male / female: 47% / 53%

Income and poverty

Household income distribution

<$25k

11%

$25–50k

13%

$50–75k

19%

$75–100k

12%

$100–150k

22%

$150–200k

11%

$200k+

12%

Median household income

56320

$87,026

Stearns Co.

$77,066

Minnesota

$89,062

United States

$80,734

Per capita income

$45,147

U.S. $44,673

Poverty rate

6.4%

U.S. 12.5%

Households earning $150K+

22.8%

U.S. 23%

Income inequality (Gini)

0.420

U.S. 0.483

Housing

Median home value

56320

$353,600

Stearns Co.

$273,400

Minnesota

$329,300

United States

$332,700

Median gross rent

56320

$1,390

Stearns Co.

$1,068

Minnesota

$1,280

United States

$1,413

Types of housing

Single-family

82%

2–4 units

5–19 units

20+ units

10%

Mobile home

Boat, RV, van

Housing units: 3,627
Owner-occupied: 79.8%
Vacant: 6.6%
Median year built: 1986
Median rooms: 6.7
Renters paying 30%+ of income: 57.9%
Renters paying 50%+ of income: 25.2%
Home value to income: 4.1× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

79%

Carpooled

Transit

0.3%

Walked

Bicycle

Worked from home

11%

Other

0.5%

Commute time (one way)

<10 min

17%

10–19

27%

20–29

21%

30–44

25%

45–59

60+

Average commute

24.9 min

U.S. 26.4 min

Unemployment

4.8%

U.S. 5.2%

In labor force

69.9%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Office and admin

14%

Transportation and moving

11%

Sales

11%

Management

Healthcare

Business and finance

Construction and repair

Production

Education

Cleaning and personal care

Food service

Legal and social services

Computer and math

Engineering and science

Police and fire

Farming, fishing and forestry

0.5%

Arts, media and sports

0.5%

Industries

Health care and social assistance

19%

Retail

12%

Education

11%

Manufacturing

10%

Transportation, warehousing and utilities

Construction

Finance, insurance and real estate

Restaurants and hotels

Other services

Wholesale

Admin, support and management

Professional and technical services

Agriculture and mining

Public administration

Arts and recreation

Information

0.1%

Median earnings per worker

$48,941

U.S. $49,666

Self-employed

11.5%

U.S. 10%

Government workers

10.6%

U.S. 14.5%

Nonprofit workers

11.7%

U.S. 8.8%

Median earnings by type of work

Type of work	56320	U.S.
Management, business, science and arts	$61,913	$74,888
Service	$18,935	$26,804
Sales and office	$43,266	$40,476
Construction and maintenance	$56,442	$49,199
Production and transportation	$45,909	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

26%

Some college

20%

Associate's

16%

Bachelor's

21%

Graduate

11%

High school graduate or higher: 94.2%
Bachelor's degree or higher: 32.5%
Graduate or professional degree: 11%
Households with broadband: 88%
Cable, fiber or DSL: 64.9%
No internet access: 7.4%
Without health insurance: 1.8%
Limited-English households: 0.1%

Geography

City (USPS): Cold Spring
State: Minnesota
County: Stearns County
Center point: 45.4667° N, 94.4029° W
Land area: 51 sq mi
Water area: 3.6 sq mi
Time zone: Central Time (UTC-6, UTC-5 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Rockville13% of zip
Cold Spring5% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 56320

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
56369	Rockville, MN	3.3 mi	582	$98,077	$249,100
56368	Richmond, MN	7.7 mi	4,262	$97,407	$321,100
56321	Collegeville, MN	7.8 mi	1,526	—	—
56301	Saint Cloud, MN	7.9 mi	35,580	$73,142	$288,600
56374	Saint Joseph, MN	8 mi	10,029	$80,156	$292,000
56387	Waite Park, MN	8.6 mi	7,756	$59,009	$232,200
55353	Kimball, MN	10 mi	3,361	$83,854	$345,900
56388	Waite Park, MN · PO box	11 mi	—	—	—
56371	Roscoe, MN	12 mi	95	$51,250	$173,200
56303	Saint Cloud, MN	12 mi	25,827	$65,198	$205,200
55389	Watkins, MN	12 mi	2,384	$96,786	$273,700
56310	Avon, MN	12 mi	5,431	$105,164	$300,500

Zip codes like 56320 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 56320

What city is zip code 56320?

56320 is assigned to Cold Spring, Minnesota. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 56320 in?

56320 is in Stearns County, Minnesota.

What is the population of 56320?

About 8,482 people live in 56320, according to the Census Bureau's American Community Survey.

What time zone is 56320 in?

56320 is in Central Time.

What is the median household income in 56320?

The median household income in 56320 is $87,026.

What zip codes are near 56320?

The closest zip codes to 56320 are 56369, 56368, 56321, 56301, 56374.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 56320, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.