ZIP Code 55330 — Elk River city, MN Demographics & Data

ZIP code 55330 covers Elk River, MN in Sherburne County with a population of about 45,080.

At a glance, the area shows median age of 37.7 (near the U.S. median).

It sits in telephone area code 763; U.S. House district MN-6; the MINNEAPOLIS - ST. PAUL media market.

Median household income in ZIP 55330 is about $111,481 — about 48% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.4%; unemployment rate near 2.1%; 33.1% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Retail trade; about 13.1% of workers reporting work-from-home (about 2.1 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 $355,200 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,211 (about 4% above the U.S. median rent ($1,163)), and owner-occupancy near 84.3% (about 18.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 55330 in Elk River, MN, a household would need roughly $98,000 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 $2,282. That sits below the local median household income ($111,481), 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 Elk River city, MN as Relatively Low (composite score 53.6), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (76.4) and flood (62.5). 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 Elk River city, MN show little to no average snow and around 32.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 3,200 for ZIP 55330 (Elk River 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.