55012 ZIP Code — Center City, MN

Chisago County, Minnesota

ZIP code 55012 is located in Center City, Minnesota, within Chisago County. It covers approximately 23.71 square miles and serves a population of 2,121 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 651.

About ZIP code 55012

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 $329,200. Owner-occupancy is high at 87%, well above the national average.

Median household income is $88,472. 48% 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 30 minutes is near the national average.

Educational attainment is near the national average, with 27% of residents holding a bachelor's degree or higher.

Overall, ZIP code 55012 reflects a community defined by high homeownership and a significant Social Security-dependent population.

2,121

population

23.71

sq mi land

Standard

ZIP type

Central (CT)

timezone

55012 ZIP code map

Cities in ZIP code 55012

Below are the cities the US Postal Service accepts for ZIP code 55012. Using any city not on this list may result in mail delivery delays.

City	Status
Center City	Acceptable
Center City	Preferred

Nearby ZIP codes

55084 Taylors Falls (3.4 mi) 55045 Lindstrom (4.7 mi) 55074 Shafer (5.7 mi) 55056 North Branch (7.5 mi) 54024 Saint Croix Falls (7.6 mi) 55013 Chisago City (8 mi) 54006 Cushing (8.9 mi) 54824 Centuria (11.3 mi) 54009 Dresser (11.4 mi) 55079 Stacy (12.2 mi) 55032 Harris (13.3 mi) 55073 Scandia (13.4 mi)

Demographics updated 05/2026

Population
Total population	2,121
Population density	89 / sq mi
State FIPS	27
County FIPS	025

Geography
Land area	23.71 sq mi
Water area	1.05 sq mi
Latitude	45.4548
Longitude	-92.7837
Timezone	Central (CT)
Area code	651

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	23.2%	26.6%	33.6%
$50k – $100k	43.2%	32.5%	31.5%
$100k – $200k	31.2%	34.7%	26.5%
Over $200k	2.4%	6.2%	8.5%

Demographics & statistics

2,121

Population

People per sq mi

49.0

Median age

$88,472

Median household income

$41,211

Per capita income

$329,200

Median home value

$1,294

Median monthly rent

87.4%

Home ownership

12.7%

Poverty rate

5.0%

Unemployment

684

Housing units

26.7%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

134

25–34

112

116

35–44

158

45–54

132

55–59

60–64

209

65–74

174

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	245	11.6%
18 and over	1,876	88.4%
65 and over	556	26.2%
Median age	49.0 years

Race & ethnicity

White 92.2%

Two or more races 2.6%

American Indian / Alaska Native 1.4%

Black or African American 1.4%

Asian 1%

Hispanic or Latino 0.9%

Other race 0.4%

Group	Count	%
White	1,974	92.2%
Two or more races	56	2.6%
American Indian / Alaska Native	31	1.4%
Black or African American	30	1.4%
Asian	22	1%
Hispanic or Latino	20	0.9%
Other race	8	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	23.2%	26.6%	33.6%
$50k – $100k	43.2%	32.5%	31.5%
$100k – $200k	31.2%	34.7%	26.5%
Over $200k	2.4%	6.2%	8.5%

Under $10k 1.7%

$10k–$15k 1.3%

$15k–$25k 3.6%

$25k–$35k 3.9%

$35k–$50k 9.2%

$50k–$75k 21.7%

$75k–$100k 15.5%

$100k–$150k 25.6%

$150k–$200k 8.3%

$200k+ 9.1%

Range	% of households
Under $10k	1.7%
$10k–$15k	1.3%
$15k–$25k	3.6%
$25k–$35k	3.9%
$35k–$50k	9.2%
$50k–$75k	21.7%
$75k–$100k	15.5%
$100k–$150k	25.6%
$150k–$200k	8.3%
$200k+	9.1%
Median income	$88,472

Housing

Home values

Under $50k 2.1%

$50k–$100k 0.2%

$100k–$150k 4.6%

$150k–$200k 6.9%

$200k–$300k 29.8%

$300k–$500k 41.3%

$500k–$1M 14.7%

$1M+ 0.3%

Housing overview

Metric	Value
Median home value	$329,200
Median rent / month	$1,294
Owner occupied	87.4%
Renter occupied	12.6%
Vacant	7.8%
Single-family detached	89.4%
Large apartment buildings	3.0%
Mobile homes	0.3%
Median rooms	6.4
Avg household size (owned)	2.56

Year built

Era	%
2020 or later	0.4%
2010–2019	1.4%
2000–2009	8.0%
1990–1999	17.3%
1980–1989	10.9%
1970–1979	19.1%
1960–1969	6.1%
1950–1959	5.2%
1940–1949	1.7%
1939 or earlier	30.0%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	8.4%
2 bedrooms	24.0%
3 bedrooms	39.8%
4 bedrooms	23.3%
5+ bedrooms	4.5%

Vehicles per household

Vehicles	% of households
No vehicle	0.3%
1 vehicle	23.5%
2 vehicles	40.3%
3 or more	35.9%

Heating fuel

Fuel type	%
Utility gas	65.0%
Electricity	5.7%
Propane / LP gas	14.1%
Fuel oil	5.6%
Wood	7.0%
No fuel used	0.1%

Households & families

Household type	Count	%
Married-couple family	454	63.6%
Cohabiting couple	46	6.4%
Male householder, no spouse	124	17.4%
Female householder, no spouse	90	12.6%
Households with children under 18	104	14.6%
Households with seniors (65+)	346	48.5%
Average household size	2.53

Marital status

Status	Male	Female
Never married	32.2%	17.7%
Married	55.1%	61.6%
Separated	0.2%	4.4%
Widowed	3.8%	4.7%
Divorced	8.8%	11.6%

Education

Less than 9th grade 1.2%

Some HS, no diploma 4.7%

HS graduate 35.4%

Some college, no degree 19.4%

Associate's degree 12.6%

Bachelor's degree 15.9%

Graduate / professional 10.8%

Metric	%
HS diploma or higher	94.2%
Bachelor's or higher	26.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	24	8.5%
Kindergarten	12	4.3%
Elementary school	130	46.1%
High school	55	19.5%
College / grad school	61	21.6%

Employment

Industry of employment

Education & healthcare 27.3%

Manufacturing 17.3%

Construction 14.0%

Retail trade 8.7%

Other services 6.6%

Finance & real estate 6.3%

Transportation & utilities 5.3%

Arts, food & hospitality 4.7%

Professional & management 4.5%

Public administration 2.8%

Wholesale trade 2.2%

Information 0.2%

Occupation

Category	%
Management, business & arts	34.0%
Service	17.9%
Sales & office	15.2%
Natural resources & construction	15.0%
Production & transportation	18.0%

Employment type

Type	%
Private sector	85.8%
Government	8.1%
Self-employed	5.8%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	78.3%
Carpool	8.4%
Public transit	2.6%
Walk	1.4%
Work from home	8.1%
Other means	1.1%
Avg commute (minutes)	30.3

Poverty

All people 12.7%

Under 18 years 13.1%

18 and over 12.7%

Married-couple families 3.5%

Female-led households 6.7%

Income support

Source	% of households
Social Security	47.5%
Retirement income	42.4%
Supplemental Security	6.6%
Cash public assistance	2.7%
Food stamps / SNAP	1.5%

Health indicators

Condition	%
Obesity	34.8%
High blood pressure	28.6%
High cholesterol	29.2%
Diabetes	8.2%
Heart disease	5.5%
Stroke	2.5%
Asthma	8.6%
Arthritis	22.3%
Kidney disease	2.4%
Pulmonary disease	5.0%
Cancer	6.5%

Behavior / access	%
Smoking	16.6%
Binge drinking	21.1%
No physical activity	18.7%
Less than 7 hrs sleep	26.2%
Depression	21.0%
Fair or poor health	10.4%
Poor mental health	12.9%
Poor physical health	8.6%
No health insurance	9.7%
Visited doctor (checkup)	68.5%
Visited dentist	69.1%
Cholesterol screening	89.7%
Teeth loss	9.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	178	9.5%

Disability	%
Any disability	19.5%
Under 18	8.2%
18–64 years	21.9%
65 and over	19.1%

Health insurance coverage

Type	%
Private insurance	77.8%
Public insurance	38.5%
No insurance	5.6%
Uninsured under 19	3.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,061	97.2%
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)	2,078	98.0%
Born in same state	2,060	97.1%
Born in different state	1,435	67.7%
Foreign born	18	0.8%
Naturalized citizen	43	2.0%
Not a US citizen	19	44.2%

Ancestry

Ancestry	Count	%
Italian	200	9.4%
Polish	161	7.6%
German	110	5.2%
French	73	3.4%
English	37	1.7%

Ancestry	Count	%
Arab	35	1.7%
Dutch	30	1.4%
Norwegian	26	1.2%
Irish	3	0.1%

Technology access

Metric	% of households
Computer access	33.7%
Internet access	95.4%

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

Frequently asked questions about ZIP code 55012

What city is ZIP code 55012 in?

ZIP code 55012 is primarily assigned to Center City, Minnesota.

What county is ZIP code 55012 in?

ZIP code 55012 falls within Chisago County, Minnesota.

Does ZIP code 55012 have an older population?

26% of residents in ZIP code 55012 are 65 or older, above the national average of ~17%.

Does ZIP code 55012 have a large retiree population?

48% of households in ZIP code 55012 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 55012 mostly owner-occupied?

87% of occupied units in ZIP code 55012 are owner-occupied, well above the national average.

Does ZIP code 55012 have a large veteran population?

10% of civilians in ZIP code 55012 are veterans, above the national average of ~7%.

What timezone is ZIP code 55012 in?

ZIP code 55012 observes the CST timezone.