56465 ZIP Code — Merrifield, MN

Crow Wing County, Minnesota

ZIP code 56465 is located in Merrifield, Minnesota, within Crow Wing County. It covers approximately 38.53 square miles and serves a population of 2,241 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 218.

About ZIP code 56465

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $318,800. Owner-occupancy is high at 93%, well above the national average.

Median household income is $69,292. The poverty rate of 4% is below the national average. 50% 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 28 minutes is near the national average.

Educational attainment is near the national average, with 30% of residents holding a bachelor's degree or higher.

Notable community characteristics include a notable veteran presence at 12% of civilians, above the national average of 7%.

Overall, ZIP code 56465 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.

2,241

population

38.53

sq mi land

Standard

ZIP type

Central (CT)

timezone

56465 ZIP code map

Cities in ZIP code 56465

Below are the cities the US Postal Service accepts for ZIP code 56465. Using any city not on this list may result in mail delivery delays.

City	Status
Merrifield	Preferred

Nearby ZIP codes

56455 Ironton (7.2 mi) 56455 Ironton (7.2 mi) 56441 Crosby (8.2 mi) 56441 Crosby (8.2 mi) 56468 Nisswa (9.5 mi) 56468 Nisswa (9.5 mi) 56442 Crosslake (11.6 mi) 56442 Crosslake (11.6 mi) 56444 Deerwood (12.7 mi) 56444 Deerwood (12.7 mi) 56401 Brainerd (13.8 mi) 56401 Brainerd (13.8 mi)

Demographics updated 06/2026

Population
Total population	2,241
Population density	58 / sq mi
State FIPS	27
County FIPS	035

Geography
Land area	38.53 sq mi
Water area	13.37 sq mi
Latitude	46.5216
Longitude	-94.1110
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	32.8%	42.2%	33.6%
$50k – $100k	40.6%	33.1%	31.5%
$100k – $200k	23.0%	20.8%	26.5%
Over $200k	3.6%	3.9%	8.5%

Demographics & statistics

2,241

Population

People per sq mi

54.5

Median age

$69,292

Median household income

$38,842

Per capita income

$318,800

Median home value

$1,472

Median monthly rent

93.4%

Home ownership

4.2%

Poverty rate

13.9%

Unemployment

1,681

Housing units

29.6%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

167

45–54

157

105

55–59

133

60–64

124

180

65–74

169

132

75–84

123

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	338	15.1%
18 and over	1,903	84.9%
65 and over	631	28.2%
Median age	54.5 years

Race & ethnicity

White 94.6%

Two or more races 2.6%

Black or African American 2.1%

Hispanic or Latino 0.8%

Group	Count	%
White	2,135	94.6%
Two or more races	58	2.6%
Black or African American	48	2.1%
Hispanic or Latino	17	0.8%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	32.8%	42.2%	33.6%
$50k – $100k	40.6%	33.1%	31.5%
$100k – $200k	23.0%	20.8%	26.5%
Over $200k	3.6%	3.9%	8.5%

Under $10k 2.1%

$10k–$15k 2.6%

$15k–$25k 5.6%

$25k–$35k 4.0%

$35k–$50k 12.7%

$50k–$75k 27.5%

$75k–$100k 17.8%

$100k–$150k 16.1%

$150k–$200k 6.0%

$200k+ 5.7%

Range	% of households
Under $10k	2.1%
$10k–$15k	2.6%
$15k–$25k	5.6%
$25k–$35k	4.0%
$35k–$50k	12.7%
$50k–$75k	27.5%
$75k–$100k	17.8%
$100k–$150k	16.1%
$150k–$200k	6.0%
$200k+	5.7%
Median income	$69,292

Housing

Home values

Under $50k 4.3%

$50k–$100k 4.3%

$100k–$150k 9.2%

$150k–$200k 10.2%

$200k–$300k 19.3%

$300k–$500k 33.9%

$500k–$1M 17.3%

$1M+ 1.5%

Housing overview

Metric	Value
Median home value	$318,800
Median rent / month	$1,472
Owner occupied	93.4%
Renter occupied	6.6%
Vacant	45.4%
Single-family detached	92.6%
Large apartment buildings	0.0%
Mobile homes	6.9%
Median rooms	6.0
Avg household size (owned)	2.24

Year built

Era	%
2020 or later	0.7%
2010–2019	11.1%
2000–2009	19.3%
1990–1999	14.3%
1980–1989	19.6%
1970–1979	15.2%
1960–1969	4.5%
1950–1959	4.4%
1940–1949	4.0%
1939 or earlier	6.9%

Bedrooms

Size	% of units
No bedroom (studio)	1.0%
1 bedroom	4.8%
2 bedrooms	18.9%
3 bedrooms	45.8%
4 bedrooms	24.1%
5+ bedrooms	5.4%

Vehicles per household

Vehicles	% of households
No vehicle	1.0%
1 vehicle	23.9%
2 vehicles	39.7%
3 or more	35.4%

Heating fuel

Fuel type	%
Utility gas	57.9%
Electricity	14.1%
Propane / LP gas	20.7%
Wood	7.1%

Households & families

Household type	Count	%
Married-couple family	588	61.7%
Cohabiting couple	72	7.6%
Male householder, no spouse	170	17.8%
Female householder, no spouse	123	12.9%
Households with children under 18	167	17.5%
Households with seniors (65+)	426	44.7%
Average household size	2.35

Marital status

Status	Male	Female
Never married	21.8%	21.4%
Married	61.7%	65.5%
Separated	0.0%	0.2%
Widowed	2.6%	5.5%
Divorced	13.9%	7.3%

Education

Less than 9th grade 2.0%

Some HS, no diploma 4.3%

HS graduate 26.3%

Some college, no degree 24.0%

Associate's degree 13.8%

Bachelor's degree 18.3%

Graduate / professional 11.3%

Metric	%
HS diploma or higher	93.7%
Bachelor's or higher	29.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	20	7.4%
Kindergarten	16	5.9%
Elementary school	91	33.8%
High school	75	27.9%
College / grad school	67	24.9%

Employment

Industry of employment

Education & healthcare 27.5%

Retail trade 15.5%

Arts, food & hospitality 12.2%

Manufacturing 10.4%

Professional & management 9.6%

Construction 7.5%

Finance & real estate 5.1%

Public administration 4.5%

Other services 2.9%

Agriculture & mining 1.8%

Transportation & utilities 1.6%

Wholesale trade 1.2%

Information 0.3%

Occupation

Category	%
Management, business & arts	40.1%
Service	18.1%
Sales & office	18.8%
Natural resources & construction	5.6%
Production & transportation	17.4%

Employment type

Type	%
Private sector	75.8%
Government	14.3%
Self-employed	9.2%
Unpaid family workers	0.7%

Commute

Method	%
Drive alone	76.6%
Carpool	10.1%
Public transit	0.0%
Walk	0.2%
Work from home	12.6%
Other means	0.5%
Avg commute (minutes)	27.9

Poverty

All people 4.2%

Under 18 years 1.2%

18 and over 4.8%

Married-couple families 2.6%

Female-led households 0.0%

Income support

Source	% of households
Social Security	49.5%
Retirement income	39.0%
Supplemental Security	5.4%
Cash public assistance	4.6%
Food stamps / SNAP	5.1%

Health indicators

Condition	%
Obesity	37.5%
High blood pressure	34.0%
High cholesterol	32.5%
Diabetes	10.7%
Heart disease	7.3%
Stroke	3.3%
Asthma	8.4%
Arthritis	28.3%
Kidney disease	3.1%
Pulmonary disease	6.2%
Cancer	8.5%

Behavior / access	%
Smoking	18.0%
Binge drinking	19.0%
No physical activity	20.6%
Less than 7 hrs sleep	27.2%
Depression	20.9%
Fair or poor health	11.9%
Poor mental health	11.8%
Poor physical health	9.9%
No health insurance	9.5%
Visited doctor (checkup)	74.7%
Visited dentist	66.8%
Cholesterol screening	91.8%
Teeth loss	9.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	228	12.0%

Disability	%
Any disability	14.0%
Under 18	9.8%
18–64 years	9.6%
65 and over	25.0%

Health insurance coverage

Type	%
Private insurance	67.8%
Public insurance	50.8%
No insurance	5.3%
Uninsured under 19	1.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,162	96.5%
Spanish	5	0.2%
Other Indo-European	5	0.2%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,188	97.6%
Born in same state	2,184	97.5%
Born in different state	1,781	79.5%
Foreign born	4	0.2%
Naturalized citizen	53	2.4%
Not a US citizen	25	47.2%

Ancestry

Ancestry	Count	%
Polish	390	17.4%
Italian	275	12.3%
French	223	10%
Arab	72	3.2%

Ancestry	Count	%
English	40	1.8%
German	30	1.3%
Dutch	23	1%

Technology access

Metric	% of households
Computer access	42.5%
Internet access	96.1%

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

Frequently asked questions about ZIP code 56465

What city is ZIP code 56465 in?

ZIP code 56465 is primarily assigned to Merrifield, Minnesota.

What county is ZIP code 56465 in?

ZIP code 56465 falls within Crow Wing County, Minnesota.

Is ZIP code 56465 mostly owner-occupied?

93% of occupied units in ZIP code 56465 are owner-occupied, well above the national average.

Does ZIP code 56465 have an older population?

28% of residents in ZIP code 56465 are 65 or older, above the national average of ~17%.

Does ZIP code 56465 have a large retiree population?

50% of households in ZIP code 56465 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 56465 have a large veteran population?

12% of civilians in ZIP code 56465 are veterans, above the national average of ~7%.

What timezone is ZIP code 56465 in?

ZIP code 56465 observes the CST timezone.