ZIP Code 56581 — Shelly city, MN Demographics & Data

ZIP code 56581 covers Shelly, MN in Norman County with a population of about 261.

At a glance, the area shows median age of 43.3 versus a U.S. median of about 38.9.

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

Median household income in ZIP 56581 is about $58,125 — about 23% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.0%; unemployment rate near 9.3%; 14.5% of adults with a bachelor’s degree or higher (about 19.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Manufacturing, and Education; about 4.8% of workers reporting work-from-home (about 10.4 points below the U.S. share (15.2%)); a mean commute of about 120.0 minutes (U.S. average near 26.8).

Median home value is about $112,500 — about 68% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 96.0% (about 30.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 56581 in Shelly, MN, a household would need roughly $31,000 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 $723. That sits below the local median household income ($58,125), 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 Shelly 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 Shelly city, MN show little to no average snow and around 22.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 19 for ZIP 56581 (Shelly 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.