56320 ZIP Code — Cold Spring, MN

Stearns County, Minnesota

ZIP code 56320 is located in Cold Spring, Minnesota, within Stearns County. It covers approximately 51.07 square miles and serves a population of 8,447 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 320.

About ZIP code 56320

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $284,800. Owner-occupancy is high at 82%, well above the national average.

Median household income is $95,625. The poverty rate of 7% is below the national average. 32% 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 23 minutes is near the national average.

Educational attainment is near the national average, with 31% of residents holding a bachelor's degree or higher.

Overall, ZIP code 56320 reflects a community defined by high homeownership and a significant Social Security-dependent population.

8,447

population

51.07

sq mi land

Standard

ZIP type

Central (CT)

timezone

56320 ZIP code map

Cities in ZIP code 56320

Below are the cities the US Postal Service accepts for ZIP code 56320. Using any city not on this list may result in mail delivery delays.

City	Status
Cold Spring	Preferred

Nearby ZIP codes

56368 Richmond (6.1 mi) 56368 Richmond (6.1 mi) 56301 Saint Cloud (8.4 mi) 56301 Saint Cloud (8.4 mi) 56301 Saint Cloud (8.4 mi) 56301 Saint Cloud (8.4 mi) 56301 Saint Cloud (8.4 mi) 56301 Saint Cloud (8.4 mi) 56310 Avon (10.3 mi) 56310 Avon (10.3 mi) 56374 Saint Joseph (10.4 mi) 56374 Saint Joseph (10.4 mi)

Demographics updated 05/2026

Population
Total population	8,447
Population density	165 / sq mi
State FIPS	27
County FIPS	145

Geography
Land area	51.07 sq mi
Water area	3.61 sq mi
Latitude	45.4706
Longitude	-94.4123
Timezone	Central (CT)
Area code	320

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	26.8%	38.8%	33.6%
$50k – $100k	35.2%	33.9%	31.5%
$100k – $200k	30.6%	22.7%	26.5%
Over $200k	7.4%	4.6%	8.5%

Demographics & statistics

8,447

Population

165

People per sq mi

42.6

Median age

$95,625

Median household income

$42,098

Per capita income

$284,800

Median home value

$1,140

Median monthly rent

81.6%

Home ownership

7.1%

Poverty rate

4.1%

Unemployment

2,971

Housing units

31.0%

Bachelor's or higher

Age distribution

Male Female

290

Under 5

298

299

5–9

307

298

10–14

306

241

15–19

248

268

20–24

276

352

25–34

362

469

35–44

482

547

45–54

564

390

55–59

402

239

60–64

246

339

65–74

349

258

75–84

265

173

85+

179

← Male

Female →

Age summary

Group	Count	%
Under 18	2,120	25.1%
18 and over	6,327	74.9%
65 and over	1,563	18.5%
Median age	42.6 years

Race & ethnicity

White 92%

Hispanic or Latino 3.8%

Two or more races 2.2%

Other race 1.9%

American Indian / Alaska Native 0.1%

Group	Count	%
White	8,078	92%
Hispanic or Latino	336	3.8%
Two or more races	192	2.2%
Other race	163	1.9%
American Indian / Alaska Native	6	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	26.8%	38.8%	33.6%
$50k – $100k	35.2%	33.9%	31.5%
$100k – $200k	30.6%	22.7%	26.5%
Over $200k	7.4%	4.6%	8.5%

Under $10k 1.4%

$10k–$15k 2.7%

$15k–$25k 7.1%

$25k–$35k 3.7%

$35k–$50k 7.1%

$50k–$75k 20.1%

$75k–$100k 12.0%

$100k–$150k 21.3%

$150k–$200k 14.7%

$200k+ 10.0%

Range	% of households
Under $10k	1.4%
$10k–$15k	2.7%
$15k–$25k	7.1%
$25k–$35k	3.7%
$35k–$50k	7.1%
$50k–$75k	20.1%
$75k–$100k	12.0%
$100k–$150k	21.3%
$150k–$200k	14.7%
$200k+	10.0%
Median income	$95,625

Housing

Home values

Under $50k 3.6%

$50k–$100k 0.4%

$100k–$150k 4.8%

$150k–$200k 13.0%

$200k–$300k 31.3%

$300k–$500k 30.2%

$500k–$1M 14.3%

$1M+ 2.4%

Housing overview

Metric	Value
Median home value	$284,800
Median rent / month	$1,140
Owner occupied	81.6%
Renter occupied	18.4%
Vacant	10.8%
Single-family detached	79.3%
Large apartment buildings	7.1%
Mobile homes	4.1%
Median rooms	6.9
Avg household size (owned)	2.79

Year built

Era	%
2020 or later	0.1%
2010–2019	7.6%
2000–2009	14.6%
1990–1999	20.3%
1980–1989	11.2%
1970–1979	17.4%
1960–1969	12.8%
1950–1959	6.9%
1940–1949	1.0%
1939 or earlier	8.2%

Bedrooms

Size	% of units
No bedroom (studio)	0.6%
1 bedroom	5.9%
2 bedrooms	20.6%
3 bedrooms	31.5%
4 bedrooms	34.4%
5+ bedrooms	7.1%

Vehicles per household

Vehicles	% of households
No vehicle	4.1%
1 vehicle	20.3%
2 vehicles	45.0%
3 or more	30.6%

Heating fuel

Fuel type	%
Utility gas	52.6%
Electricity	19.2%
Propane / LP gas	24.3%
Fuel oil	1.0%
Wood	2.1%
No fuel used	0.1%

Households & families

Household type	Count	%
Married-couple family	2,045	64.5%
Cohabiting couple	224	7.1%
Male householder, no spouse	390	12.3%
Female householder, no spouse	511	16.1%
Households with children under 18	907	28.6%
Households with seniors (65+)	985	31.1%
Average household size	2.63

Marital status

Status	Male	Female
Never married	28.5%	20.6%
Married	64.4%	60.8%
Separated	0.0%	0.7%
Widowed	2.6%	8.7%
Divorced	4.5%	9.2%

Education

Less than 9th grade 4.0%

Some HS, no diploma 4.3%

HS graduate 23.8%

Some college, no degree 20.7%

Associate's degree 16.2%

Bachelor's degree 20.3%

Graduate / professional 10.7%

Metric	%
HS diploma or higher	91.7%
Bachelor's or higher	31.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	194	9.4%
Kindergarten	99	4.8%
Elementary school	988	47.8%
High school	429	20.7%
College / grad school	359	17.4%

Employment

Industry of employment

Education & healthcare 28.2%

Manufacturing 15.0%

Retail trade 12.1%

Arts, food & hospitality 9.2%

Construction 6.7%

Professional & management 6.6%

Transportation & utilities 6.1%

Finance & real estate 4.1%

Wholesale trade 3.8%

Other services 3.4%

Public administration 2.4%

Agriculture & mining 2.0%

Information 0.5%

Occupation

Category	%
Management, business & arts	42.3%
Service	14.5%
Sales & office	17.9%
Natural resources & construction	9.0%
Production & transportation	16.4%

Employment type

Type	%
Private sector	85.5%
Government	10.7%
Self-employed	3.6%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	83.6%
Carpool	6.4%
Public transit	0.3%
Walk	0.2%
Work from home	9.1%
Other means	0.4%
Avg commute (minutes)	22.5

Poverty

All people 7.1%

Under 18 years 11.9%

18 and over 5.5%

Married-couple families 1.0%

Female-led households 37.9%

Income support

Source	% of households
Social Security	32.4%
Retirement income	27.3%
Supplemental Security	2.1%
Cash public assistance	3.2%
Food stamps / SNAP	6.9%

Health indicators

Condition	%
Obesity	32.1%
High blood pressure	28.7%
High cholesterol	29.7%
Diabetes	8.4%
Heart disease	6.1%
Stroke	2.8%
Asthma	8.3%
Arthritis	23.4%
Kidney disease	2.7%
Pulmonary disease	5.1%
Cancer	7.3%

Behavior / access	%
Smoking	15.9%
Binge drinking	19.8%
No physical activity	20.3%
Less than 7 hrs sleep	28.6%
Depression	21.8%
Fair or poor health	10.7%
Poor mental health	12.6%
Poor physical health	8.8%
No health insurance	10.1%
Visited doctor (checkup)	70.3%
Visited dentist	73.5%
Cholesterol screening	90.1%
Teeth loss	9.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	444	7.0%

Disability	%
Any disability	9.8%
Under 18	2.2%
18–64 years	5.9%
65 and over	33.4%

Health insurance coverage

Type	%
Private insurance	82.7%
Public insurance	29.1%
No insurance	3.5%
Uninsured under 19	0.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	7,859	93.0%
Spanish	95	1.2%
Other Indo-European	51	0.6%
Asian & Pacific Islander	40	0.5%
Other languages	4	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	8,232	97.5%
Born in same state	8,189	96.9%
Born in different state	7,316	86.6%
Foreign born	43	0.5%
Naturalized citizen	215	2.5%
Not a US citizen	168	78.1%

Ancestry

Ancestry	Count	%
Polish	899	10.6%
French	577	6.8%
Italian	567	6.7%
Arab	350	4.1%
English	46	0.5%

Ancestry	Count	%
Dutch	25	0.3%
German	23	0.3%
Norwegian	2	0%
Irish	1	0%

Technology access

Metric	% of households
Computer access	37.5%
Internet access	93.0%

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

Frequently asked questions about ZIP code 56320

What city is ZIP code 56320 in?

ZIP code 56320 is primarily assigned to Cold Spring, Minnesota.

What county is ZIP code 56320 in?

ZIP code 56320 falls within Stearns County, Minnesota.

Is ZIP code 56320 mostly owner-occupied?

82% of occupied units in ZIP code 56320 are owner-occupied, well above the national average.

What is the population of ZIP code 56320?

ZIP code 56320 has an estimated population of 8,447 residents, with a density of 165 people per square mile.

What is the median household income in ZIP code 56320?

The median household income in ZIP code 56320 is $95,625, above the national median of ~$75,000.

What is the typical home value in ZIP code 56320?

The median home value in ZIP code 56320 is $284,800.

What timezone is ZIP code 56320 in?

ZIP code 56320 observes the CST timezone.