ZIP Code 55038 — Hugo city, MN Demographics & Data

ZIP code 55038 covers Hugo, MN in Washington County with a population of about 24,246.

At a glance, the area shows median age of 38.9 (near the U.S. median).

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

Median household income in ZIP 55038 is about $127,194 — about 69% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 1.5%; unemployment rate near 2.0%; 49.0% of adults with a bachelor’s degree or higher (about 15.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Education; about 20.1% of workers reporting work-from-home (about 4.9 points above 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 $408,000 — about 17% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,696 (about 46% above the U.S. median rent ($1,163)), and owner-occupancy near 90.7% (about 25.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 55038 in Hugo, MN, a household would need roughly $112,000 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 $2,621. That sits below the local median household income ($127,194), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Hugo city, MN as Relatively Moderate (composite score 83.9), which is elevated versus much of the country. The strongest component scores on US5 are flood (83.5) and wildfire (64.0). 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 Hugo city, MN show little to no average snow and around 33.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,721 for ZIP 55038 (Hugo 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.