ZIP Code 55804 — Duluth city, MN Demographics & Data

ZIP code 55804 covers Duluth, MN in St. Louis County with a population of about 16,018.

At a glance, the area shows median age of 41.8 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 55804 is about $108,231 — about 44% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.4%; unemployment rate near 1.9%; 51.7% of adults with a bachelor’s degree or higher (about 18.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Construction; about 14.5% of workers reporting work-from-home (roughly in line with 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 $286,800 — about 18% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,103 (about 5% below the U.S. median rent ($1,163)), and owner-occupancy near 87.1% (about 21.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 55804 in Duluth, MN, a household would need roughly $79,000 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 $1,842. That sits below the local median household income ($108,231), 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 Duluth city, MN as Relatively Moderate (composite score 91.6), which is among the highest nationally. The strongest component scores on US5 are flood (91.8) and wildfire (81.7). 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 Duluth city, MN show little to no average snow and around 30.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,137 for ZIP 55804 (Duluth 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.