56320 ZIP Code
Cold Spring, Minnesota
December 28, 2025
| ZIP Code: | 56320 |
| City/Town: | Cold Spring |
| County: | Stearns |
| State: | Minnesota |
| ZIP Type: | Standard |
| Population: | 8,447 |
| Median Household Income: | $95,625 |
| Per Capita Income: | $46,656 |
| Total Housing Units: | 3,555 |
| Median Home Value: | $284,800 |
| Land Area: | 51.1 sq miles
132.3 sq km |
| Water Area: | 3.6 sq miles
9.3 sq km |
| Coordinates: | 45.4667, -94.4029 |
Population Information (56320 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total Population: | 8,447 | -- | -- |
| Male: | 4,162 | 49.3% | 49.6% |
| Female: | 4,285 | 50.7% | 50.4% |
| Median Age: | 42.6 yrs | -- | 38.5 yrs |
| Under 5 years: | 588 | 7.0% | 5.7% |
| 5 to 9 years: | 606 | 7.2% | 6.0% |
| 10 to 14 years: | 604 | 7.2% | 6.5% |
| 15 to 19 years: | 489 | 5.8% | 6.6% |
| 20 to 24 years: | 544 | 6.4% | 6.7% |
| 25 to 34 years: | 714 | 8.5% | 13.7% |
| 35 to 44 years: | 951 | 11.3% | 12.9% |
| 45 to 54 years: | 1,111 | 13.2% | 12.4% |
| 55 to 59 years: | 792 | 9.4% | 6.5% |
| 60 to 64 years: | 485 | 5.7% | 6.4% |
| 65 to 74 years: | 688 | 8.1% | 9.7% |
| 75 to 84 years: | 523 | 6.2% | 4.8% |
| 85 years and over: | 352 | 4.2% | 2.0% |
Housing Information (56320 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Median home value: | $284,800 | -- | $281,900 |
| Median rooms: | 6.9 | -- | 5.5 |
| Median rent: | $1,140 / mo. | -- | $1,268 / mo. |
| Total housing units: | 3,555 | -- | -- |
| Occupied housing units: | 3,170 | 89.2% | 38.0% |
| Vacant housing units: | 385 | 10.8% | 4.6% |
| Housing tenure: | -- | -- | -- |
| Owner-occupied: | 2,586 | 81.6% | 64.8% |
| Renter-occupied: | 584 | 18.4% | 35.2% |
Educational Attainment (56320 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Population 25 years and over: | 5,616 | -- | -- |
| Less than 9th grade: | 224 | 4.0% | 4.7% |
| 9th to 12th grade, no diploma: | 242 | 4.3% | 6.1% |
| High school graduate: | 1,339 | 23.8% | 26.4% |
| Some college, no degree: | 1,160 | 20.7% | 19.7% |
| Associate degree: | 910 | 16.2% | 8.7% |
| Bachelor's degree: | 1,141 | 20.3% | 20.9% |
| Graduate or professional degree: | 600 | 10.7% | 13.7% |
| Percent high school graduate or higher: | -- | 91.7% | 89.1% |
| Percent bachelor's degree or higher: | -- | 31.0% | 34.3% |
Income Information (56320 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median household income: | $95,625 / yr. | $75,149 / yr. |
| Mean household income: | $109,816 / yr. | $105,833 / yr. |
| Median family income: | $106,071 / yr. | $92,646 / yr. |
| Per capita income: | $46,656 / yr. | $41,261 / yr. |
Employment (56320 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| In labor force: | 4,630 | -- | 63.5% |
| Employed: | 4,439 | 95.9% | 96.4% |
| Unemployed: | 191 | 4.1% | 5.3% |
| Not in labor force: | 1,935 | -- | -- |
| Class of Worker: | -- | -- | -- |
| Private wage and salary: | 3,797 | 85.5% | 79.7% |
| Government workers: | 475 | 10.7% | 14.2% |
| Self-employed: | 162 | 3.6% | 5.9% |
| Unpaid family workers: | 5 | 0.1% | 0.1% |
Race & Ethnicity (56320 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Race (one race): | -- | -- | -- |
| White: | 8,078 | 95.6% | 61.6% |
| Black or African American: | 4 | 0.0% | 12.4% |
| American Indian/Alaska Native: | 6 | 0.1% | 1.1% |
| Asian: | 4 | 0.0% | 6.0% |
| Native Hawaiian/Pacific Islander: | 0 | 0.0% | 0.2% |
| Some other race: | 163 | 1.9% | 8.4% |
| Two or more races: | 192 | 2.3% | 10.2% |
| Hispanic or Latino (any race): | 336 | 4.0% | 18.7% |
| Mexican: | 313 | 3.7% | 11.2% |
| Puerto Rican: | 195 | 2.3% | 1.8% |
| Cuban: | 17 | 0.2% | 0.7% |
| Other Hispanic or Latino: | 26 | 0.3% | 5.0% |
| Not Hispanic or Latino: | 75 | 0.9% | 81.1% |
Income Distribution (56320 zip code)
| Household Income | Households | Percent% | US AvgUS |
|---|---|---|---|
| Less than $10,000: | 43 | 1.4% | 4.9% |
| $10,000 to $14,999: | 85 | 2.7% | 3.8% |
| $15,000 to $24,999: | 225 | 7.1% | 7.0% |
| $25,000 to $34,999: | 118 | 3.7% | 7.4% |
| $35,000 to $49,999: | 225 | 7.1% | 10.7% |
| $50,000 to $74,999: | 636 | 20.1% | 16.1% |
| $75,000 to $99,999: | 380 | 12.0% | 12.8% |
| $100,000 to $149,999: | 675 | 21.3% | 17.1% |
| $150,000 to $199,999: | 466 | 14.7% | 8.8% |
| $200,000 or more: | 317 | 10.0% | 11.4% |
Commute to Work (56320 zip code)
| Commute Method | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Drove alone: | 3,645 | 82.1% | 67.8% |
| Carpooled: | 281 | 6.3% | 8.7% |
| Public transportation: | 12 | 0.3% | 4.2% |
| Walked: | 9 | 0.2% | 2.5% |
| Other means: | 19 | 0.4% | 0.9% |
| Worked from home: | 395 | 8.9% | 13.8% |
| Mean travel time to work: | 22.5 min | -- | 26.7 min |
Industry (56320 zip code)
| Industry Sector | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Agriculture, forestry, fishing, mining: | 87 | 2.0% | 1.6% |
| Construction: | 299 | 6.7% | 6.9% |
| Manufacturing: | 666 | 15.0% | 10.0% |
| Wholesale trade: | 167 | 3.8% | 2.4% |
| Retail trade: | 535 | 12.1% | 11.0% |
| Transportation, warehousing, utilities: | 272 | 6.1% | 5.8% |
| Information: | 20 | 0.5% | 1.9% |
| Finance, insurance, real estate: | 184 | 4.1% | 6.7% |
| Professional, scientific, management: | 294 | 6.6% | 12.1% |
| Education, health care, social services: | 1,251 | 28.2% | 23.3% |
| Arts, entertainment, food services: | 408 | 9.2% | 9.0% |
| Other services: | 150 | 3.4% | 4.7% |
| Public administration: | 106 | 2.4% | 4.7% |
Poverty Status (56320 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Poverty Rate: | -- | 7.1% | 8.8% |
| All people below poverty level: | -- | -- | -- |
| Under 18 years: | -- | -- | 16.3% |
| 18 to 64 years: | -- | -- | 11.0% |
| 65 years and over: | -- | -- | 10.3% |
Health Insurance (56320 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| With health insurance: | 8,068 | 95.5% | 91.3% |
| Private health insurance: | 6,919 | 81.9% | 67.6% |
| Public health coverage: | 2,435 | 28.8% | 35.9% |
| Without health insurance: | 295 | 3.5% | 8.7% |
Benefits & Assistance (56320 zip code)
| Households with: | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Earnings: | 2,411 | 76.1% | 77.4% |
| Social Security income: | 1,027 | 32.4% | 31.0% |
| Retirement income: | 865 | 27.3% | 21.8% |
| Supplemental Security Income (SSI): | 65 | 2.1% | 4.5% |
| Cash public assistance income: | 100 | 3.2% | 1.8% |
| SNAP (food stamps) benefits: | 219 | 6.9% | 11.4% |
Housing Types (56320 zip code)
| Structure Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| 1-unit, detached: | 2,818 | 79.3% | 61.4% |
| 1-unit, attached: | 168 | 4.7% | 6.1% |
| 2 units: | 10 | 0.3% | 3.4% |
| 3 or 4 units: | 45 | 1.3% | 4.3% |
| 5 to 9 units: | 60 | 1.7% | 4.6% |
| 10 to 19 units: | 55 | 1.5% | 4.3% |
| 20 or more units: | 252 | 7.1% | 9.9% |
| Mobile home: | 144 | 4.1% | 5.8% |
| Boat, RV, van, etc.: | 3 | 0.1% | 0.1% |
Year Structure Built (56320 zip code)
| Year Built | Units | Percent% | US AvgUS |
|---|---|---|---|
| Built 2020 or later: | 2 | 0.1% | 0.6% |
| Built 2010 to 2019: | 269 | 7.6% | 8.2% |
| Built 2000 to 2009: | 519 | 14.6% | 13.5% |
| Built 1990 to 1999: | 722 | 20.3% | 13.2% |
| Built 1980 to 1989: | 397 | 11.2% | 13.2% |
| Built 1970 to 1979: | 620 | 17.4% | 14.6% |
| Built 1960 to 1969: | 456 | 12.8% | 10.2% |
| Built 1950 to 1959: | 245 | 6.9% | 9.9% |
| Built 1940 to 1949: | 34 | 1.0% | 4.6% |
| Built 1939 or earlier: | 291 | 8.2% | 12.0% |
Bedrooms (56320 zip code)
| Number of Bedrooms | Units | Percent% | US AvgUS |
|---|---|---|---|
| No bedroom (studio): | 21 | 0.6% | 2.4% |
| 1 bedroom: | 209 | 5.9% | 3.0% |
| 2 bedrooms: | 732 | 20.6% | 9.1% |
| 3 bedrooms: | 1,119 | 31.5% | 15.9% |
| 4 bedrooms: | 1,222 | 34.4% | 18.8% |
| 5 or more bedrooms: | 252 | 7.1% | 17.6% |
Heating Fuel (56320 zip code)
| Fuel Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| Utility gas: | 1,667 | 52.6% | 47.1% |
| Bottled, tank, or LP gas: | 769 | 24.3% | 4.9% |
| Electricity: | 608 | 19.2% | 40.2% |
| Fuel oil, kerosene, etc.: | 32 | 1.0% | 4.2% |
| Coal or coke: | 0 | 0.0% | 0.1% |
| Wood: | 66 | 2.1% | 1.5% |
| Solar energy: | 0 | 0.0% | 0.1% |
| Other fuel: | 25 | 0.8% | 0.5% |
| No fuel used: | 3 | 0.1% | 0.2% |
Vehicles Available (56320 zip code)
| Vehicles | Households | Percent% | US AvgUS |
|---|---|---|---|
| No vehicle available: | 131 | 4.1% | 8.3% |
| 1 vehicle available: | 644 | 20.3% | 32.6% |
| 2 vehicles available: | 1,425 | 45.0% | 37.0% |
| 3 or more vehicles available: | 970 | 30.6% | 22.1% |
Home Value Distribution (56320 zip code)
| Value Range | Owner Units | Percent% | US AvgUS |
|---|---|---|---|
| Less than $50,000: | 94 | 3.6% | 5.7% |
| $50,000 to $99,999: | 11 | 0.4% | 7.8% |
| $100,000 to $149,999: | 125 | 4.8% | 9.2% |
| $150,000 to $199,999: | 336 | 13.0% | 10.8% |
| $200,000 to $299,999: | 809 | 31.3% | 19.9% |
| $300,000 to $499,999: | 781 | 30.2% | 24.1% |
| $500,000 to $999,999: | 369 | 14.3% | 17.0% |
| $1,000,000 or more: | 61 | 2.4% | 5.6% |
Housing Costs (56320 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median owner costs (with mortgage): | $1,746 / mo. | $1,828 / mo. |
| Median owner costs (no mortgage): | $611 / mo. | $584 / mo. |
| Median gross rent: | $1,140 / mo. | $1,268 / mo. |
| Average household size (owner-occupied): | 2.79 | 2.53 |
| Average household size (renter-occupied): | 1.95 | 2.38 |
Households (56320 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total households: | 3,170 | -- | -- |
| Married-couple households: | 2,045 | 64.5% | 47.5% |
| Cohabiting couple households: | 689 | 21.7% | 7.0% |
| Male householder, no spouse: | 390 | 12.3% | 5.4% |
| Female householder, no spouse: | 511 | 16.1% | 12.7% |
| Householder living alone: | 907 | 28.6% | 28.6% |
| 65 years and over living alone: | 985 | 31.1% | 11.8% |
| Average household size: | 2.63 | -- | 2.53 |
| Average family size: | 3.01 | -- | -- |
Marital Status (56320 zip code)
| Population 15 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 3,316 | -- | -- |
| Never married: | 945 | 28.5% | 37.0% |
| Now married: | 2,136 | 64.4% | 49.5% |
| Separated: | 87 | 2.6% | 1.5% |
| Widowed: | 148 | 4.5% | 2.6% |
| Divorced: | 687 | 20.7% | 9.3% |
School Enrollment (56320 zip code)
| Population 3 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Enrolled in school: | 2,069 | -- | -- |
| Nursery school, preschool: | 194 | 9.4% | 5.8% |
| Kindergarten: | 99 | 4.8% | 5.0% |
| Elementary school (grades 1-8): | 988 | 47.8% | 40.5% |
| High school (grades 9-12): | 429 | 20.7% | 21.4% |
| College or graduate school: | 359 | 17.4% | 27.3% |
Veterans & Disability (56320 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Civilian population 18 years and over: | 6,327 | -- | -- |
| Veterans: | 444 | 7.0% | 6.3% |
| Civilian noninstitutionalized population: | 8,363 | -- | -- |
| With a disability: | 822 | 9.8% | 13.4% |
| Under 18 with disability: | 46 | 5.6% | 5.8% |
| 18 to 64 with disability: | 280 | 34.1% | 10.4% |
| 65 and over with disability: | 496 | 60.3% | 33.4% |
Mobility (Residence 1 Year Ago) (56320 zip code)
| Population 1 year and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Same house: | 8,014 | 94.9% | 86.9% |
| Different house: | 365 | 4.3% | 13.1% |
| Same county: | 207 | 56.7% | 7.0% |
| Different county: | 140 | 38.4% | 3.2% |
| Different state: | 18 | 4.9% | 2.5% |
| Abroad: | 18 | 4.9% | 0.4% |
Place of Birth (56320 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Native born: | 8,232 | 97.5% | 86.2% |
| Foreign born: | 43 | 0.5% | 13.9% |
| Naturalized citizen: | 215 | 500.0% | 52.7% |
| Not a citizen: | 215 | 500.0% | 47.3% |
| Foreign-born by region: | -- | -- | -- |
| Europe: | 215 | 500.0% | 10.5% |
| Asia: | 119 | 276.7% | 31.3% |
| Africa: | 0 | 0.0% | 5.5% |
| Oceania: | 0 | 0.0% | 0.5% |
| Latin America: | 78 | 181.4% | 50.0% |
| Northern America: | 14 | 32.6% | 2.2% |
Language Spoken at Home (56320 zip code)
| Population 5 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 7,859 | -- | -- |
| English only: | 7,515 | 95.6% | 78.3% |
| Language other than English: | 344 | 4.4% | 21.5% |
| By language: | -- | -- | -- |
| Spanish: | 147 | 1.9% | 13.3% |
| Other Indo-European languages: | 193 | 2.5% | 3.5% |
| Asian/Pacific Island languages: | 4 | 0.1% | 3.5% |
| Other languages: | 0 | 0.0% | 1.0% |
Computers & Internet (56320 zip code)
| Households | Percent% | US AvgUS | |
|---|---|---|---|
| Households with a computer: | 3,170 | 100.0% | 93.1% |
| Households with broadband internet: | 2,947 | 93.0% | 89.4% |
Cold Spring, MN56320