ZIP Code 55382 — Fairhaven CDP, MN Demographics & Data

ZIP code 55382 covers Fairhaven, MN in Stearns County with a population of about 3,640.

At a glance, the area shows median age of 47.5 versus a U.S. median of about 38.9.

It sits in telephone area code 320; U.S. House district MN-6; the MINNEAPOLIS - ST. PAUL media market.

Median household income in ZIP 55382 is about $95,673 — about 27% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.8%; unemployment rate near 3.2%; 27.5% of adults with a bachelor’s degree or higher (about 6.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Construction; about 12.6% of workers reporting work-from-home (about 2.6 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 $346,900 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $996 (about 14% below the U.S. median rent ($1,163)), and owner-occupancy near 94.0% (about 28.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 55382 in Fairhaven, MN, a household would need roughly $95,000 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 $2,228. That is roughly in line with the local median household income ($95,673). 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 Fairhaven CDP, MN as Relatively Moderate (composite score 87.6), which is elevated versus much of the country. The strongest component scores on US5 are flood (90.9) and wildfire (76.3). 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 Fairhaven CDP, MN show little to no average snow and around 30.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 258 for ZIP 55382 (Fairhaven CDP, 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.