ZIP Code 56545 — Gary city, MN Demographics & Data

ZIP code 56545 covers Gary, MN in Norman County with a population of about 705.

At a glance, the area shows median age of 37.6 (near the U.S. median).

It sits in telephone area code 218; U.S. House district MN-7; the FARGO - VALLEY CITY media market.

Median household income in ZIP 56545 is about $76,806 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.3%; unemployment rate near 2.7%; 11.0% of adults with a bachelor’s degree or higher (about 22.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Healthcare, and Construction; about 5.1% of workers reporting work-from-home (about 10.1 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 $168,800 — about 52% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $508 (about 56% below the U.S. median rent ($1,163)), and owner-occupancy near 85.7% (about 20.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 56545 in Gary, MN, a household would need roughly $46,000 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 $1,084. That sits below the local median household income ($76,806), 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 Gary city, MN as Very Low (composite score 14.4), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (47.0) and flood (17.6). 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 Gary city, MN show little to no average snow and around 26.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 50 for ZIP 56545 (Gary 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.