ZIP Code 55012 — Center City city, MN Demographics & Data

ZIP code 55012 covers Center City, MN in Chisago County with a population of about 1,995.

At a glance, the area shows median age of 48.9 versus a U.S. median of about 38.9.

It sits in telephone area code 651; U.S. House district MN-8; the MINNEAPOLIS - ST. PAUL media market.

Median household income in ZIP 55012 is about $93,500 — about 24% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.8%; unemployment rate near 3.1%; 31.2% of adults with a bachelor’s degree or higher (about 2.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Construction; about 9.9% of workers reporting work-from-home (about 5.3 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $367,500 — about 6% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $964 (about 17% below the U.S. median rent ($1,163)), and owner-occupancy near 89.6% (about 24.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 55012 in Center City, MN, a household would need roughly $101,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,361. That is roughly in line with the local median household income ($93,500). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Center City city, MN as Relatively Low (composite score 44.5), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (65.5) and flood (55.7). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Center City city, MN show little to no average snow and around 32.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 142 for ZIP 55012 (Center City city, MN) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.