ZIP Code Tabulation Area

56320

Cold Spring, MN · ACS 2020–2024

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Latest estimates

At a glance

U.S. Census Bureau American Community Survey 5-year estimates.

Total population
8,482
Median household income
$87,026
People below poverty
6.4%
Median home value
$353,600

Income

The median income of households in 56320 was $87,026. An estimated 2.4% of households had income below $10,000 a year and 11.6% had income of $200,000 or more.

Household Income in 56320 in 2020-2024

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Percent
Less than $10,000 2.4
$10,000 to $14,999 1.8
$15,000 to $24,999 6.9
$25,000 to $34,999 5.1
$35,000 to $49,999 8.3
$50,000 to $74,999 19.1
$75,000 to $99,999 12.1
$100,000 to $149,999 21.5
$150,000 to $199,999 11.2
$200,000 or more 11.6

Median Earnings for Full-Time Year-Round Workers by Sex in 56320 in 2020-2024

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Dollars
Male 64680
Female 56274

An estimated 75.4% of households received earnings. An estimated 37.5% of households received Social Security and an estimated 29.9 % of households received retirement income other than Social Security. The average income from Social Security was $26,192. These income sources are not mutually exclusive; that is, some households received income from more than one source.

Proportion of Households with Various Income Sources in 56320 in 2020-2024

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Percent
Earnings 75.4
Social Security 37.5
Retirement income 29.9
Supplemental Security Income (SSI) 2
Cash public assistance income 2

Poverty and Participation in Government Programs

In 2020-2024, 6.4 % of people were in poverty. An estimated 11.1% of children under 18 were below the poverty level, compared with 4.6% of people 65 years old and over. An estimated 5% of people 18 to 64 years were below the poverty level.

Poverty Rates in 56320 in 2020-2024

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Percent
People in poverty 6.4
Children under 18 years below poverty 11.1
People 65 years old and over below poverty 4.6
People 18 to 64 years below poverty 5

In 2020-2024, 5.8 % of households received SNAP (the Supplemental Nutrition Assistance Program). An estimated 51.3% of households that received SNAP had children under 18, and 18.5% of households that received SNAP had one or more people 60 years and over. An estimated 48.2% of all households receiving SNAP were families with a female householder and no spouse present.


Among the civilian noninstitutionalized population in 56320 in 2020-2024, 98.2% had health insurance coverage and 1.8% did not have health insurance coverage. Private coverage was 84.6% and public coverage was 31.7%, respectively. The percentage of children under the age of 19 with no health insurance coverage was 0.6%.


In 2020-2024, 56320 had a total population of 8,482 - 4,468 (52.7%) females and 4,014 (47.3%) males. The median age was 42.9 years. An estimated 23.4% of the population was under 18 years, 27.8% was 19 to 44 years, 26.1% was 45 to 64 years, and 20.6 % was 65 years and older.

Population by Age and Sex for 56320 in 2020-2024

Male Female
Under 5 155 340
5 to 9 304 211
10 to 14 385 266
15 to 19 245 256
20 to 24 168 466
25 to 29 244 103
30 to 34 174 241
35 to 39 241 201
40 to 44 211 302
45 to 49 204 138
50 to 54 286 308
55 to 59 387 269
60 to 64 272 357
65 to 69 228 227
70 to 74 154 188
75 to 79 124 262
80 to 84 129 134
85 and over 103 199

Hispanic Origin and Race

For people reporting one race alone, 94.4% were White; 0.1% were Black or African American; 7.7% were American Indian and Alaska Native; 0.3% were Asian; 0.1% were Native Hawaiian and Other Pacific Islander, and 0% were Some Other Race. An estimated 3.7% reported Two or More Races. An estimated 3.6% of the people in 56320 were Hispanic or Latino. An estimated 93.1% of the people in 56320 were White alone, non-Hispanic. People of Hispanic origin may be of any race.


Households and Families

In 2020-2024, there were 3,389 households in 56320. The average household size was 2.48 people.

Married-couple households made up 56.8% of the households in 56320 while cohabiting couple households made up 7.3% of households. Female householders with no spouse or partner present were 22.7% of all households, while 13.2% of households had male householders with no spouse or partner present. Some households had one person, as 10.4% of households were male householders living alone, and 16% were female householders living alone, for a total of 26.4% of all households.

In 56320, 27.1% of all households had one or more people under the age of 18; 36.6% of all households had one or more people 65 years and over.

Types of Households in 56320 in 2020-2024

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Percent
Married-couple households 56.8
Cohabiting Couples 7.3
Male Householder
No spouse/partner present
13.2
Female Householder
No spouse/partner present
22.7

Marital Status

Among persons 15 and older, 64.4% of males and 52.3% of females were currently married.

Population 15 years and over Percent
Males
Percent
Females
Never married 27.8 25.1
Now married, except separated 64.4 52.3
Separated 0 0.7
Widowed 2.4 11
Divorced 5.5 10.9

Grandparents and Grandchildren

In 56320, 41 grandparents lived with their grandchildren under 18 years old. Of those grandparents, 0% were responsible for the basic needs of their grandchildren.


Nativity and Foreign-Born

In 2020-2024, an estimated 95.9% of the people living in 56320 were U.S. natives. 82.9% of the 56320 population were living in the state where they were born.

Approximately 4.1% of 56320 residents in 2020-2024 were foreign-born. 84% of foreign-born were naturalized U.S. citizens and an estimated 94.3 % entered the country before the year 2010.

Foreign-born residents of 56320 come from different parts of the world. The bar graph below displays the percentage of foreign-born from each world region of birth in 2020-2024 for 56320.

Region of Birth for the Foreign-Born Population in 56320 in 2020-2024

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Percent
Latin America 26.2
Asia 7.1
Europe 63.2
Africa 0
Northern America 3.4
Oceania 0

Language

Among people at least five years old living in 56320 in 2020-2024, 5.8 % spoke a language other than English at home. Spanish was spoken by 2.5% of people at least five years old; 1.6% reported that they did not speak English "very well."

Percentage of the Population 5 years and over who Speak a Language other than English in 56320 in 2020-2024

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Percent
Spanish 2.5
Other Indo-European languages 3
Asian and Pacific Islander languages 0.3
Other languages 0

Geographic Mobility

In 2020-2024, 94.9 % of the people at least one year old living in 56320 were living in the same house one year earlier.

Geographic Mobility of Residents of 56320 in 2020-2024

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Percent
Same house 94.9
Different house, same county 2.5
Different county, same state 1.9
Different state 0.3
Abroad 0.4

Education

In 2020-2024, 94.2 % of people 25 years and over had at least graduated from high school and 32.5% had a bachelor's degree or higher. An estimated 5.8% did not complete high school.

The total school enrollment in 56320 was 2,073 in 2020-2024. Nursery school enrollment was 152 and kindergarten through 12th grade enrollment was 1,533. College or graduate school enrollment was 388.

Educational Attainment of People in 56320 in 2020-2024

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Percent
Less than high school diploma 5.8
High school diploma or equivalency 25.7
Some college, no degree 20.2
Associate's degree 15.8
Bachelor's degree 21.5
Graduate or professional degree 11

Disability

In 56320, among the civilian noninstitutionalized population in 2020-2024, 9.3 % reported a disability. The likelihood of having a disability varied by age - from 5% of people under 18 years old, to 5.8% of people 18 to 64 years old, and to 24.4% of those 65 and over.


Employment Status and Type of Employer

In 56320, 66.5 % of the population 16 and over were employed; 30.1% were not currently in the labor force.

An estimated 84.9% of the people employed were private wage and salary workers; 10.6% were federal, state, or local government workers; and 4.5 % were self-employed in their own (not incorporated) business.

Class of worker Number Percent
Private wage and salary workers 3,792 84.9
Federal, state, or local government workers 475 10.6
Self-employed workers in own not incorporated business 201 4.5

Industries

In 2020-2024, the civilian employed population 16 years and older in 56320 worked in the following industries:

Percent by Industry in 56320 in 2020-2024

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Percent
Agriculture, forestry, fishing and hunting, and mining 2.7
Construction 6.9
Manufacturing 10
Wholesale trade 4.6
Retail trade 11.8
Transportation and warehousing, and utilities 7.3
Information 0.1
Finance and insurance, and real estate and rental and leasing 6.6
Professional, scientific, and management, and administrative and waste management services 6.8
Educational services, and health care and social assistance 29.9
Arts, entertainment, and recreation, and accommodation, and food services 6
Other Services, except public administration 4.9
Public administration 2.4

Occupations

Occupations for the Civilian Employed Population 16 Years and over in 56320 in 2020-2024

Civilian employed population 16 years and over Number Percent
Management, business, sciences, and arts occupations 1,638 36.7
Service occupations 589 13.2
Sales and office occupations 1,086 24.3
Natural resources, construction, and maintenance occupations 341 7.6
Production, transportation, and material moving occupations 814 18.2

Commuting to Work

An estimated 78.6% of 56320 workers drove to work alone in 2020-2024, and 7.8% carpooled. Among those who commuted to work, it took them on average 24.9 minutes to get to work.

Percent of Workers 16 and over Commuting by Mode in 56320 in 2020-2024

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Percent
Car, truck, van -- drove alone 78.6
Car, truck, van -- carpooled 7.8
Public transportation (excluding taxicab) 0.3
Walked 1.8
Other means 0.5
Worked from home 11

In 2020-2024, 56320 had a total of 3,627 housing units. Of these housing units, 82.2% were single-family houses either not attached to any other structure or attached to one or more structures (commonly referred to as "townhouses" or "row houses"). 15.3% of the housing units were located in multi-unit structures, or those buildings that contained two or more apartments. 2.5% were mobile homes, while any remaining housing units were classified as "other," which included boats, recreational vehicles, vans, etc.

Types of Housing Units in 56320 in 2020-2024

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Percent
Single-family houses 82.2
Apartments in multi-unit structures 15.3
Mobile homes 2.5
Boat, RV, van, etc 0

8.8% of the housing inventory was comprised of houses built since 2010, while 9.2% of the houses were first built in 1939 or earlier. The median number of rooms in all housing units in 56320 was 6.7 rooms, and of these housing units 70.2% had three or more bedrooms.


In 2020-2024, 56320 had 3,389 housing units that were occupied or had people living in them, while the remaining 238 were vacant. Of the occupied housing units, the percentage of these houses occupied by owners (also known as the homeownership rate) was 79.8% while renters occupied 20.2%. The average household size of owner-occupied houses was 2.7 and in renter-occupied houses it was 1.59.

1.2% of householders of these occupied houses had moved into their house since 2021, while 14.3% moved into their house in 1989 or earlier. Households without a vehicle available for personal use comprised 8.2% and another 25.8% had three or more vehicles available for use.

The following chart provides the primary fuel used to heat houses in 56320:

House Heating Fuel Used in 56320 in 2020-2024

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Percent
Gas 73.8
Electricity 20.6
Fuel oil, kerosene, etc 1
All other fuels 4
No fuel used 0.5

In 2020-2024, the median property value for owner-occupied houses in 56320 was $353,600.

Of the owner-occupied households, 57.5 % had a mortgage. 42.5% owned their houses "free and clear," that is without a primary mortgage or loan on the house. The median monthly housing costs for owners with a mortgage was $1,880 and for owners without a mortgage it was $674.

For renter-occupied houses, the median gross rent for 56320 was $1,390. Gross rent includes the monthly contract rent and any monthly payments made for electricity, gas, water and sewer, and any other fuels to heat the house.