ZIP Code 55604 — Grand Marais city, MN Demographics & Data

ZIP code 55604 covers Grand Marais, MN in Cook County with a population of about 3,613.

At a glance, the area shows median age of 54.4 versus a U.S. median of about 38.9.

It sits in telephone area code 218; U.S. House district MN-8; the DULUTH - SUPERIOR media market.

Median household income in ZIP 55604 is about $71,458 — about 5% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.8%; unemployment rate near 1.2%; 49.4% of adults with a bachelor’s degree or higher (about 15.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Food services, and Healthcare; about 21.6% of workers reporting work-from-home (about 6.4 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 $307,100 — about 12% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $786 (about 32% below the U.S. median rent ($1,163)), and owner-occupancy near 80.1% (about 14.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 55604 in Grand Marais, MN, a household would need roughly $85,000 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 $1,973. That is about 19% above the local median household income ($71,458), so the median earner would likely stretch or need a larger down payment. 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 Grand Marais city, MN as Very Low (composite score 11.2), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (79.6) and flood (19.8). 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 Grand Marais city, MN show little to no average snow and around 26.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 256 for ZIP 55604 (Grand Marais 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.