ZIP Code 55976 — Stewartville city, MN Demographics & Data

ZIP code 55976 covers Stewartville, MN in Olmsted County with a population of about 8,542.

At a glance, the area shows median age of 38.1 (near the U.S. median).

It sits in telephone area code 507; U.S. House district MN-1; the ROCHESTR - MASON CITY - AUSTIN media market.

Median household income in ZIP 55976 is about $79,044 — about 5% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.3%; unemployment rate near 2.5%; 30.5% of adults with a bachelor’s degree or higher (about 3.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Construction, and Education; about 15.8% 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 $277,700 — about 20% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $868 (about 25% below the U.S. median rent ($1,163)), and owner-occupancy near 81.0% (about 15.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 55976 in Stewartville, MN, a household would need roughly $76,000 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 $1,784. That is roughly in line with the local median household income ($79,044). 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 Stewartville city, MN as Relatively Moderate (composite score 82.3), which is elevated versus much of the country. The strongest component scores on US5 are flood (86.9) and wildfire (20.5). 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 Stewartville city, MN show little to no average snow and around 34.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 606 for ZIP 55976 (Stewartville 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.