ZIP Code 56684 — Trail city, MN Demographics & Data

ZIP code 56684 covers Trail, MN in Polk County with a population of about 304.

At a glance, the area shows median age of 45.7 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 56684 is about $68,333 — about 9% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.1%; unemployment rate near 4.8%; 15.0% of adults with a bachelor’s degree or higher (about 18.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Healthcare, and Education; about 14.4% of workers reporting work-from-home (roughly in line with the U.S. share (15.2%)); a mean commute of about 101.0 minutes (U.S. average near 26.8).

Median home value is about $138,800 — about 60% 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 56684 in Trail, MN, a household would need roughly $38,000 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 $892. That sits below the local median household income ($68,333), 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 Trail city, MN as Relatively Low (composite score 67.0), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (83.4) and flood (69.8). 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 Trail city, MN show little to no average snow and around 26.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 22 for ZIP 56684 (Trail 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.