ZIP Code 55735 — Finlayson city, MN Demographics & Data

ZIP code 55735 covers Finlayson, MN in Pine County with a population of about 1,802.

At a glance, the area shows median age of 52.3 versus a U.S. median of about 38.9.

It sits in telephone area code 320; U.S. House district MN-8; the MINNEAPOLIS - ST. PAUL media market.

Median household income in ZIP 55735 is about $62,125 — about 17% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.0%; unemployment rate near 9.5%; 16.3% of adults with a bachelor’s degree or higher (about 17.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Construction; about 11.9% of workers reporting work-from-home (about 3.3 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 $233,500 — about 33% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $729 (about 37% below the U.S. median rent ($1,163)), and owner-occupancy near 92.4% (about 27.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 55735 in Finlayson, MN, a household would need roughly $64,000 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 $1,500. That is roughly in line with the local median household income ($62,125). 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 Finlayson city, MN as Relatively Low (composite score 62.2), which is near the middle of the national distribution. The strongest component scores on US5 are flood (69.3) and wildfire (65.8). 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 Finlayson city, MN show little to no average snow and around 33.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 128 for ZIP 55735 (Finlayson 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.