55603 ZIP Code — Finland, MN

Lake County, Minnesota

ZIP code 55603 is located in Finland, Minnesota, within Lake County. It covers approximately 308.20 square miles and serves a population of 393 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 218.

About ZIP code 55603

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $168,100. Owner-occupancy is high at 79%, well above the national average.

Median household income is $59,609. 42% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 22 minutes is near the national average.

College attainment at 16% is below the national average, consistent with a trades and production-oriented local economy.

Notable community characteristics include disability rates above the national average at 24%.

Overall, ZIP code 55603 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

393

population

308.20

sq mi land

Standard

ZIP type

Central (CT)

timezone

55603 ZIP code map

Cities in ZIP code 55603

Below are the cities the US Postal Service accepts for ZIP code 55603. Using any city not on this list may result in mail delivery delays.

City	Status
Finland	Acceptable
Finland	Preferred

Nearby ZIP codes

55613 Schroeder (11.6 mi) 55615 Tofte (19 mi) 55614 Silver Bay (19.7 mi)

Demographics updated 06/2026

Population
Total population	393
Population density	1 / sq mi
State FIPS	27
County FIPS	075

Geography
Land area	308.20 sq mi
Water area	9.47 sq mi
Latitude	47.6305
Longitude	-91.1878
Timezone	Central (CT)
Area code	218

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	47.9%	36.1%	33.6%
$50k – $100k	41.6%	36.0%	31.5%
$100k – $200k	8.9%	25.0%	26.5%
Over $200k	1.6%	3.0%	8.5%

Demographics & statistics

393

Population

People per sq mi

56.4

Median age

$59,609

Median household income

$34,711

Per capita income

$168,100

Median home value

$647

Median monthly rent

78.8%

Home ownership

15.1%

Poverty rate

1.8%

Unemployment

385

Housing units

16.2%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

45–54

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	34	8.7%
18 and over	359	91.3%
65 and over	92	23.4%
Median age	56.4 years

Race & ethnicity

White 91.3%

Black or African American 4.1%

Two or more races 3.8%

Asian 0.8%

Group	Count	%
White	359	91.3%
Black or African American	16	4.1%
Two or more races	15	3.8%
Asian	3	0.8%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	47.9%	36.1%	33.6%
$50k – $100k	41.6%	36.0%	31.5%
$100k – $200k	8.9%	25.0%	26.5%
Over $200k	1.6%	3.0%	8.5%

Under $10k 12.0%

$10k–$15k 3.2%

$15k–$25k 8.8%

$25k–$35k 9.7%

$35k–$50k 5.5%

$50k–$75k 29.5%

$75k–$100k 12.4%

$100k–$150k 16.1%

$150k–$200k 0.9%

$200k+ 1.8%

Range	% of households
Under $10k	12.0%
$10k–$15k	3.2%
$15k–$25k	8.8%
$25k–$35k	9.7%
$35k–$50k	5.5%
$50k–$75k	29.5%
$75k–$100k	12.4%
$100k–$150k	16.1%
$150k–$200k	0.9%
$200k+	1.8%
Median income	$59,609

Housing

Home values

Under $50k 2.3%

$50k–$100k 8.8%

$100k–$150k 27.5%

$150k–$200k 32.2%

$200k–$300k 14.0%

$300k–$500k 10.5%

$500k–$1M 4.7%

Housing overview

Metric	Value
Median home value	$168,100
Median rent / month	$647
Owner occupied	78.8%
Renter occupied	21.2%
Vacant	49.7%
Single-family detached	87.9%
Large apartment buildings	0.7%
Mobile homes	11.4%
Median rooms	4.6
Avg household size (owned)	1.88

Year built

Era	%
2020 or later	0.0%
2010–2019	6.0%
2000–2009	10.9%
1990–1999	14.2%
1980–1989	12.3%
1970–1979	21.6%
1960–1969	9.3%
1950–1959	6.5%
1940–1949	4.9%
1939 or earlier	14.4%

Bedrooms

Size	% of units
No bedroom (studio)	10.2%
1 bedroom	13.5%
2 bedrooms	43.4%
3 bedrooms	28.1%
4 bedrooms	4.9%
5+ bedrooms	0.0%

Vehicles per household

Vehicles	% of households
No vehicle	3.7%
1 vehicle	32.3%
2 vehicles	38.7%
3 or more	25.3%

Heating fuel

Fuel type	%
Utility gas	2.3%
Electricity	8.3%
Propane / LP gas	58.1%
Fuel oil	12.9%
Wood	18.4%

Households & families

Household type	Count	%
Married-couple family	101	46.5%
Cohabiting couple	16	7.4%
Male householder, no spouse	70	32.3%
Female householder, no spouse	30	13.8%
Households with children under 18	18	8.3%
Households with seniors (65+)	77	35.5%
Average household size	1.74

Marital status

Status	Male	Female
Never married	26.0%	21.4%
Married	50.0%	64.8%
Separated	4.0%	0.0%
Widowed	11.0%	4.4%
Divorced	9.0%	9.4%

Education

Less than 9th grade 0.9%

Some HS, no diploma 8.5%

HS graduate 44.7%

Some college, no degree 16.5%

Associate's degree 13.1%

Bachelor's degree 8.0%

Graduate / professional 8.3%

Metric	%
HS diploma or higher	90.6%
Bachelor's or higher	16.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	0	0.0%
Elementary school	14	46.7%
High school	0	0.0%
College / grad school	16	53.3%

Employment

Industry of employment

Education & healthcare 33.1%

Construction 19.6%

Arts, food & hospitality 14.1%

Professional & management 8.0%

Retail trade 7.4%

Public administration 4.9%

Agriculture & mining 3.7%

Transportation & utilities 2.5%

Finance & real estate 2.5%

Other services 2.5%

Manufacturing 1.8%

Occupation

Category	%
Management, business & arts	42.3%
Service	23.3%
Sales & office	6.1%
Natural resources & construction	8.6%
Production & transportation	19.6%

Employment type

Type	%
Private sector	64.4%
Government	28.2%
Self-employed	7.4%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	86.2%
Carpool	8.8%
Public transit	0.0%
Walk	0.0%
Work from home	3.8%
Other means	1.3%
Avg commute (minutes)	22.3

Poverty

All people 15.1%

Under 18 years 11.5%

18 and over 15.3%

Married-couple families 2.0%

Female-led households 100.0%

Income support

Source	% of households
Social Security	42.4%
Retirement income	41.0%
Supplemental Security	14.7%
Cash public assistance	3.7%
Food stamps / SNAP	13.8%

Health indicators

Condition	%
Obesity	35.6%
High blood pressure	30.0%
High cholesterol	30.4%
Diabetes	8.7%
Heart disease	5.9%
Stroke	2.6%
Asthma	8.6%
Arthritis	23.5%
Kidney disease	2.6%
Pulmonary disease	5.0%
Cancer	7.2%

Behavior / access	%
Smoking	15.7%
Binge drinking	20.9%
No physical activity	18.0%
Less than 7 hrs sleep	29.1%
Depression	20.9%
Fair or poor health	10.3%
Poor mental health	12.4%
Poor physical health	8.7%
No health insurance	8.5%
Visited doctor (checkup)	69.7%
Visited dentist	70.1%
Cholesterol screening	91.6%
Teeth loss	8.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	31	8.6%

Disability	%
Any disability	24.4%
Under 18	0.0%
18–64 years	22.1%
65 and over	40.2%

Health insurance coverage

Type	%
Private insurance	62.6%
Public insurance	45.3%
No insurance	9.7%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	377	95.9%
Spanish	3	0.8%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	3	0.8%

Place of birth & citizenship

Origin	Count	%
Native born (US)	389	99.0%
Born in same state	389	99.0%
Born in different state	303	77.1%
Foreign born	0	0.0%
Naturalized citizen	4	1.0%
Not a US citizen	4	100.0%

Ancestry

Ancestry	Count	%
Polish	55	14%
French	37	9.4%
Arab	30	7.6%

Ancestry	Count	%
Italian	17	4.3%
English	6	1.5%
German	3	0.8%

Technology access

Metric	% of households
Computer access	55.2%
Internet access	80.2%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 55603

What city is ZIP code 55603 in?

ZIP code 55603 is primarily assigned to Finland, Minnesota.

What county is ZIP code 55603 in?

ZIP code 55603 falls within Lake County, Minnesota.

Does ZIP code 55603 have a large retiree population?

42% of households in ZIP code 55603 receive Social Security income, suggesting a significant retiree or disability population.

What is the poverty rate in ZIP code 55603?

15% of residents in ZIP code 55603 live below the poverty line, above the national average.

What is the typical home value in ZIP code 55603?

The median home value in ZIP code 55603 is $168,100.

What is the population of ZIP code 55603?

ZIP code 55603 has an estimated population of 393 residents, with a density of 1 people per square mile.

What timezone is ZIP code 55603 in?

ZIP code 55603 observes the CST timezone.