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Minnesota ZIP Codes
Saint Louis County
Cotton, MN
55724
55724 ZIP Code — Cotton, MN
Saint Louis County, Minnesota
ZIP code 55724 is located in
Cotton ,
Minnesota ,
within Saint Louis County .
It covers approximately 250.06 square miles and serves a population of
784 residents.
This is a standard ZIP code in the Central (CT) timezone,
served by area code 218 .
About ZIP code 55724
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 $182,400. Owner-occupancy is high at 93%, well above the national average.
Median household income is $69,107. The poverty rate of 6% is below the national average. 49% 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. An above-average commute of 44 minutes suggests many residents work outside the immediate area.
Educational attainment is near the national average, with 27% of residents holding a bachelor's degree or higher.
Health indicators show elevated rates of smoking (20%) compared to national benchmarks.
Notable community characteristics include a notable veteran presence at 12% of civilians, above the national average of 7%.
Overall, ZIP code 55724 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.
55724 ZIP code map
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Cities in ZIP code 55724
Below are the cities the US Postal Service accepts for ZIP code 55724. Using any city not on this list may result in mail delivery delays.
Nearby ZIP codes
Demographics
updated 05/2026
Population
Total population
784
Population density
3 / sq mi
State FIPS
27
County FIPS
137
Geography
Land area
250.06 sq mi
Water area
6.55 sq mi
Latitude
47.1854
Longitude
-92.3927
Timezone
Central (CT)
Area code
218
Economics
updated 05/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
34.7%
44.3%
33.6%
$50k – $100k
38.3%
31.0%
31.5%
$100k – $200k
24.9%
20.5%
26.5%
Over $200k
2.2%
4.1%
8.5%
Demographics & statistics
$69,107
Median household income
$182,400
Median home value
27.3%
Bachelor's or higher
Age distribution
Age summary
Group Count % Under 18 88 11.2% 18 and over 696 88.8% 65 and over 279 35.6% Median age 60.3 years
Race & ethnicity
American Indian / Alaska Native
0.9%
Group Count % White 754 95.2% Two or more races 23 2.9% Hispanic or Latino 8 1% American Indian / Alaska Native 7 0.9%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
34.7%
44.3%
33.6%
$50k – $100k
38.3%
31.0%
31.5%
$100k – $200k
24.9%
20.5%
26.5%
Over $200k
2.2%
4.1%
8.5%
Range % of households Under $10k 3.5% $10k–$15k 1.7% $15k–$25k 8.9% $25k–$35k 8.2% $35k–$50k 12.9% $50k–$75k 22.3% $75k–$100k 14.9% $100k–$150k 19.3% $150k–$200k 4.7% $200k+ 3.7% Median income $69,107
Housing
Housing overview
Metric Value Median home value $182,400 Median rent / month $0 Owner occupied 92.6% Renter occupied 7.4% Vacant 55.6% Single-family detached 85.3% Large apartment buildings 0.0% Mobile homes 14.5% Median rooms 4.1 Avg household size (owned) 1.94
Year built
Era % 2020 or later 0.6% 2010–2019 12.7% 2000–2009 11.0% 1990–1999 10.2% 1980–1989 12.5% 1970–1979 12.5% 1960–1969 12.8% 1950–1959 9.0% 1940–1949 5.8% 1939 or earlier 12.9%
Bedrooms
Size % of units No bedroom (studio) 5.2% 1 bedroom 20.0% 2 bedrooms 41.6% 3 bedrooms 28.2% 4 bedrooms 3.7% 5+ bedrooms 1.3%
Vehicles per household
Vehicles % of households No vehicle 1.0% 1 vehicle 17.8% 2 vehicles 49.0% 3 or more 32.2%
Heating fuel
Fuel type % Utility gas 0.5% Electricity 25.5% Propane / LP gas 54.7% Fuel oil 5.2% Wood 14.1%
Households & families
Household type Count % Married-couple family 212 52.5% Cohabiting couple 38 9.4% Male householder, no spouse 103 25.5% Female householder, no spouse 51 12.6% Households with children under 18 54 13.4% Households with seniors (65+) 194 48.0% Average household size 1.92
Marital status
Status Male Female Never married 29.9% 18.6% Married 55.4% 66.2% Separated 0.2% 0.0% Widowed 3.4% 8.7% Divorced 11.0% 6.4%
Education
Some college, no degree
22.7%
Graduate / professional
12.1%
Metric % HS diploma or higher 96.0% Bachelor's or higher 27.3%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 4 5.6% Kindergarten 2 2.8% Elementary school 26 36.1% High school 28 38.9% College / grad school 12 16.7%
Employment
Industry of employment
Education & healthcare
24.7%
Public administration
9.4%
Finance & real estate
9.1%
Arts, food & hospitality
8.9%
Agriculture & mining
3.9%
Transportation & utilities
3.9%
Professional & management
1.4%
Occupation
Category % Management, business & arts 37.7% Service 13.9% Sales & office 17.5% Natural resources & construction 19.9% Production & transportation 11.1%
Employment type
Type % Private sector 76.5% Government 17.2% Self-employed 6.4% Unpaid family workers 0.0%
Commute
Method % Drive alone 83.5% Carpool 5.1% Public transit 0.0% Walk 0.0% Work from home 11.4% Other means 0.0% Avg commute (minutes) 44.2
Poverty
Married-couple families
0.0%
Female-led households
35.3%
Income support
Source % of households Social Security 48.8% Retirement income 43.6% Supplemental Security 2.7% Cash public assistance 1.5% Food stamps / SNAP 3.7%
Health indicators
Condition % Obesity 32.7% High blood pressure 33.7% High cholesterol 34.1% Diabetes 10.1% Heart disease 7.2% Stroke 3.2% Asthma 9.1% Arthritis 28.8% Kidney disease 3.0% Pulmonary disease 6.4% Cancer 7.9%
Behavior / access % Smoking 20.4% Binge drinking 20.4% No physical activity 20.1% Less than 7 hrs sleep 31.2% Depression 23.4% Fair or poor health 12.4% Poor mental health 13.1% Poor physical health 10.2% No health insurance 9.3% Visited doctor (checkup) 70.3% Visited dentist 66.0% Cholesterol screening 91.8% Teeth loss 10.5%
Veterans & disability
Veterans Count % Civilian veterans 82 11.8%
Disability % Any disability 12.5% Under 18 0.0% 18–64 years 9.4% 65 and over 21.1%
Health insurance coverage
Type % Private insurance 80.4% Public insurance 45.0% No insurance 2.4% Uninsured under 19 0.0%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 750 95.7% 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) 778 99.2% Born in same state 778 99.2% Born in different state 672 85.7% Foreign born 0 0.0% Naturalized citizen 6 0.8% Not a US citizen 6 100.0%
Ancestry
Ancestry Count % Polish 161 20.5% French 63 8% Italian 48 6.1% Arab 37 4.7%
Ancestry Count % German 9 1.1% English 5 0.6% Dutch 5 0.6%
Technology access
Metric % of households Computer access 51.5% Internet access 86.9%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 55724
What city is ZIP code 55724 in?
ZIP code 55724 is primarily assigned to Cotton, Minnesota.
What county is ZIP code 55724 in?
ZIP code 55724 falls within Saint Louis County, Minnesota.
Does ZIP code 55724 have an older population?
36% of residents in ZIP code 55724 are 65 or older, above the national average of ~17%.
Is ZIP code 55724 mostly owner-occupied?
93% of occupied units in ZIP code 55724 are owner-occupied, well above the national average.
Does ZIP code 55724 have a large retiree population?
49% of households in ZIP code 55724 receive Social Security income, suggesting a significant retiree or disability population.
Does ZIP code 55724 have a large veteran population?
12% of civilians in ZIP code 55724 are veterans, above the national average of ~7%.
What timezone is ZIP code 55724 in?
ZIP code 55724 observes the CST timezone.
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