56118 ZIP Code — Bingham Lake, MN

Cottonwood County, Minnesota

ZIP code 56118 is located in Bingham Lake, Minnesota, within Cottonwood County. It covers approximately 53.34 square miles and serves a population of 519 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 507.

About ZIP code 56118

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $244,600. Owner-occupancy is high at 96%, well above the national average.

Median household income is $84,886. The poverty rate of 4% is below the national average.

The dominant occupation class is management, business, and professional, with agriculture and mining as the leading industry. The average commute of 24 minutes is near the national average.

Educational attainment is near the national average, with 24% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (24%) compared to national benchmarks.

519

population

53.34

sq mi land

Standard

ZIP type

Central (CT)

timezone

56118 ZIP code map

Cities in ZIP code 56118

Below are the cities the US Postal Service accepts for ZIP code 56118. Using any city not on this list may result in mail delivery delays.

City	Status
Bingham Lake	Acceptable

Demographics updated 05/2026

Population
Total population	519
Population density	10 / sq mi
State FIPS	27
County FIPS	033

Geography
Land area	53.34 sq mi
Water area	1.02 sq mi
Latitude	43.9344
Longitude	-95.0403
Timezone	Central (CT)
Area code	507

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	17.6%	49.5%	33.6%
$50k – $100k	59.9%	33.0%	31.5%
$100k – $200k	19.3%	15.6%	26.5%
Over $200k	3.2%	1.9%	8.5%

Demographics & statistics

519

Population

People per sq mi

44.8

Median age

$84,886

Median household income

$38,405

Per capita income

$244,600

Median home value

Median monthly rent

96.4%

Home ownership

4.0%

Poverty rate

1.4%

Unemployment

199

Housing units

23.7%

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	148	28.5%
18 and over	371	71.5%
65 and over	95	18.3%
Median age	44.8 years

Race & ethnicity

White 96.6%

Hispanic or Latino 1.3%

Two or more races 1.3%

Black or African American 0.6%

Asian 0.2%

Group	Count	%
White	508	96.6%
Hispanic or Latino	7	1.3%
Two or more races	7	1.3%
Black or African American	3	0.6%
Asian	1	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	17.6%	49.5%	33.6%
$50k – $100k	59.9%	33.0%	31.5%
$100k – $200k	19.3%	15.6%	26.5%
Over $200k	3.2%	1.9%	8.5%

Under $10k 1.0%

$10k–$15k 6.7%

$15k–$25k 2.6%

$35k–$50k 6.7%

$50k–$75k 7.7%

$75k–$100k 43.8%

$100k–$150k 18.6%

$150k–$200k 5.2%

$200k+ 7.7%

Range	% of households
Under $10k	1.0%
$10k–$15k	6.7%
$15k–$25k	2.6%
$35k–$50k	6.7%
$50k–$75k	7.7%
$75k–$100k	43.8%
$100k–$150k	18.6%
$150k–$200k	5.2%
$200k+	7.7%
Median income	$84,886

Housing

Home values

Under $50k 8.6%

$50k–$100k 6.4%

$100k–$150k 8.6%

$150k–$200k 19.8%

$200k–$300k 18.2%

$300k–$500k 34.2%

$500k–$1M 1.1%

$1M+ 3.2%

Housing overview

Metric	Value
Median home value	$244,600
Median rent / month	$0
Owner occupied	96.4%
Renter occupied	3.6%
Vacant	5.8%
Single-family detached	99.5%
Large apartment buildings	0.0%
Mobile homes	0.0%
Median rooms	7.1
Avg household size (owned)	2.64

Year built

Era	%
2020 or later	0.0%
2010–2019	7.3%
2000–2009	6.8%
1990–1999	3.9%
1980–1989	7.3%
1970–1979	14.1%
1960–1969	3.9%
1950–1959	6.8%
1940–1949	14.1%
1939 or earlier	35.9%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	2.9%
2 bedrooms	18.0%
3 bedrooms	41.7%
4 bedrooms	31.1%
5+ bedrooms	6.3%

Vehicles per household

Vehicles	% of households
No vehicle	2.1%
1 vehicle	13.9%
2 vehicles	45.9%
3 or more	38.1%

Heating fuel

Fuel type	%
Utility gas	35.6%
Electricity	18.0%
Propane / LP gas	33.5%
Fuel oil	8.2%
Wood	1.5%
No fuel used	2.6%

Households & families

Household type	Count	%
Married-couple family	130	67.0%
Cohabiting couple	18	9.3%
Male householder, no spouse	38	19.6%
Female householder, no spouse	8	4.1%
Households with children under 18	41	21.1%
Households with seniors (65+)	63	32.5%
Average household size	2.68

Marital status

Status	Male	Female
Never married	28.9%	17.4%
Married	61.0%	77.9%
Separated	0.0%	0.6%
Widowed	1.3%	3.5%
Divorced	8.8%	0.6%

Education

Less than 9th grade 1.5%

Some HS, no diploma 2.0%

HS graduate 40.4%

Some college, no degree 20.8%

Associate's degree 11.7%

Bachelor's degree 15.8%

Graduate / professional 7.9%

Metric	%
HS diploma or higher	96.5%
Bachelor's or higher	23.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	27	21.3%
Kindergarten	16	12.6%
Elementary school	38	29.9%
High school	35	27.6%
College / grad school	11	8.7%

Employment

Industry of employment

Agriculture & mining 25.9%

Education & healthcare 16.0%

Manufacturing 13.8%

Public administration 9.9%

Professional & management 8.5%

Retail trade 7.4%

Other services 5.0%

Transportation & utilities 4.6%

Construction 3.9%

Wholesale trade 3.5%

Information 0.7%

Finance & real estate 0.4%

Arts, food & hospitality 0.4%

Occupation

Category	%
Management, business & arts	49.3%
Service	4.6%
Sales & office	17.0%
Natural resources & construction	11.0%
Production & transportation	18.1%

Employment type

Type	%
Private sector	73.8%
Government	14.5%
Self-employed	11.7%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	76.2%
Carpool	2.8%
Public transit	0.0%
Walk	2.5%
Work from home	18.1%
Other means	0.4%
Avg commute (minutes)	23.5

Poverty

All people 4.0%

Under 18 years 1.4%

18 and over 5.1%

Married-couple families 0.8%

Female-led households 0.0%

Income support

Source	% of households
Social Security	27.3%
Retirement income	8.8%
Supplemental Security	1.5%
Cash public assistance	0.5%
Food stamps / SNAP	2.1%

Health indicators

Condition	%
Obesity	40.1%
High blood pressure	34.4%
High cholesterol	33.1%
Diabetes	11.6%
Heart disease	7.7%
Stroke	3.7%
Asthma	9.4%
Arthritis	26.7%
Kidney disease	3.3%
Pulmonary disease	7.8%
Cancer	7.1%

Behavior / access	%
Smoking	23.5%
Binge drinking	17.7%
No physical activity	25.7%
Less than 7 hrs sleep	30.4%
Depression	23.1%
Fair or poor health	16.1%
Poor mental health	14.1%
Poor physical health	12.0%
No health insurance	12.4%
Visited doctor (checkup)	69.5%
Visited dentist	60.9%
Cholesterol screening	89.9%
Teeth loss	14.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	22	5.9%

Disability	%
Any disability	5.6%
Under 18	6.8%
18–64 years	2.2%
65 and over	13.7%

Health insurance coverage

Type	%
Private insurance	70.1%
Public insurance	37.0%
No insurance	5.0%
Uninsured under 19	6.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	458	88.2%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	515	99.2%
Born in same state	515	99.2%
Born in different state	431	83.0%
Foreign born	0	0.0%
Naturalized citizen	4	0.8%
Not a US citizen	4	100.0%

Ancestry

Ancestry	Count	%
Italian	72	13.9%
Polish	71	13.7%
French	25	4.8%

Ancestry	Count	%
Arab	16	3.1%
English	14	2.7%
German	1	0.2%

Technology access

Metric	% of households
Computer access	37.4%
Internet access	97.9%

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

Frequently asked questions about ZIP code 56118

What city is ZIP code 56118 in?

ZIP code 56118 is primarily assigned to Bingham Lake, Minnesota.

What county is ZIP code 56118 in?

ZIP code 56118 falls within Cottonwood County, Minnesota.

Is ZIP code 56118 mostly owner-occupied?

96% of occupied units in ZIP code 56118 are owner-occupied, well above the national average.

What is the population of ZIP code 56118?

ZIP code 56118 has an estimated population of 519 residents, with a density of 10 people per square mile.

What is the median household income in ZIP code 56118?

The median household income in ZIP code 56118 is $84,886, above the national median of ~$75,000.

What is the typical home value in ZIP code 56118?

The median home value in ZIP code 56118 is $244,600.

What timezone is ZIP code 56118 in?

ZIP code 56118 observes the CST timezone.