55045 ZIP Code — Lindstrom, MN

Chisago County, Minnesota

ZIP code 55045 is located in Lindstrom, Minnesota, within Chisago County. It covers approximately 34.81 square miles and serves a population of 7,781 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 651.

About ZIP code 55045

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $354,100. Owner-occupancy is high at 92%, well above the national average.

Median household income is $108,148. The poverty rate of 4% is below the national average. 33% 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 32 minutes is near the national average.

Educational attainment is near the national average, with 29% of residents holding a bachelor's degree or higher.

Overall, ZIP code 55045 reflects a community defined by high homeownership and a significant Social Security-dependent population.

7,781

population

34.81

sq mi land

Standard

ZIP type

Central (CT)

timezone

55045 ZIP code map

Cities in ZIP code 55045

Below are the cities the US Postal Service accepts for ZIP code 55045. Using any city not on this list may result in mail delivery delays.

City	Status
Lindstrom	Preferred

Nearby ZIP codes

55013 Chisago City (3.7 mi) 55012 Center City (4.7 mi) 55074 Shafer (4.9 mi) 55084 Taylors Falls (6.8 mi) 55056 North Branch (8.6 mi) 55073 Scandia (9 mi) 55079 Stacy (9.7 mi) 54024 Saint Croix Falls (11.4 mi) 54009 Dresser (11.4 mi) 54020 Osceola (12.1 mi) 55025 Forest Lake (12.9 mi) 55092 Wyoming (13.4 mi)

Demographics updated 05/2026

Population
Total population	7,781
Population density	224 / sq mi
State FIPS	27
County FIPS	025

Geography
Land area	34.81 sq mi
Water area	6.12 sq mi
Latitude	45.3939
Longitude	-92.8252
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	21.8%	26.6%	33.6%
$50k – $100k	25.8%	32.5%	31.5%
$100k – $200k	42.5%	34.7%	26.5%
Over $200k	9.9%	6.2%	8.5%

Demographics & statistics

7,781

Population

224

People per sq mi

41.9

Median age

$108,148

Median household income

$45,271

Per capita income

$354,100

Median home value

$1,253

Median monthly rent

91.5%

Home ownership

4.4%

Poverty rate

3.2%

Unemployment

2,811

Housing units

28.6%

Bachelor's or higher

Age distribution

Male Female

268

Under 5

255

214

5–9

203

366

10–14

348

298

15–19

283

159

20–24

151

411

25–34

391

495

35–44

471

583

45–54

556

317

55–59

301

282

60–64

269

407

65–74

387

153

75–84

145

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	2,154	27.7%
18 and over	5,627	72.3%
65 and over	1,160	14.9%
Median age	41.9 years

Race & ethnicity

White 91.5%

Two or more races 4.9%

Hispanic or Latino 2.1%

Asian 0.8%

American Indian / Alaska Native 0.5%

Other race 0.2%

Group	Count	%
White	7,274	91.5%
Two or more races	393	4.9%
Hispanic or Latino	166	2.1%
Asian	63	0.8%
American Indian / Alaska Native	36	0.5%
Other race	15	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	21.8%	26.6%	33.6%
$50k – $100k	25.8%	32.5%	31.5%
$100k – $200k	42.5%	34.7%	26.5%
Over $200k	9.9%	6.2%	8.5%

Under $10k 0.8%

$10k–$15k 2.0%

$15k–$25k 3.7%

$25k–$35k 3.9%

$35k–$50k 4.5%

$50k–$75k 14.1%

$75k–$100k 17.0%

$100k–$150k 22.6%

$150k–$200k 19.8%

$200k+ 11.5%

Range	% of households
Under $10k	0.8%
$10k–$15k	2.0%
$15k–$25k	3.7%
$25k–$35k	3.9%
$35k–$50k	4.5%
$50k–$75k	14.1%
$75k–$100k	17.0%
$100k–$150k	22.6%
$150k–$200k	19.8%
$200k+	11.5%
Median income	$108,148

Housing

Home values

Under $50k 2.6%

$50k–$100k 1.0%

$100k–$150k 4.1%

$150k–$200k 5.0%

$200k–$300k 24.7%

$300k–$500k 42.9%

$500k–$1M 18.1%

$1M+ 1.6%

Housing overview

Metric	Value
Median home value	$354,100
Median rent / month	$1,253
Owner occupied	91.5%
Renter occupied	8.5%
Vacant	7.6%
Single-family detached	83.5%
Large apartment buildings	4.9%
Mobile homes	5.3%
Median rooms	6.8
Avg household size (owned)	2.79

Year built

Era	%
2020 or later	0.9%
2010–2019	8.9%
2000–2009	21.9%
1990–1999	21.0%
1980–1989	12.0%
1970–1979	11.3%
1960–1969	5.2%
1950–1959	8.7%
1940–1949	0.8%
1939 or earlier	9.4%

Bedrooms

Size	% of units
No bedroom (studio)	0.4%
1 bedroom	6.9%
2 bedrooms	19.1%
3 bedrooms	36.2%
4 bedrooms	30.1%
5+ bedrooms	7.3%

Vehicles per household

Vehicles	% of households
No vehicle	3.8%
1 vehicle	16.6%
2 vehicles	34.2%
3 or more	45.3%

Heating fuel

Fuel type	%
Utility gas	74.9%
Electricity	8.2%
Propane / LP gas	13.1%
Fuel oil	0.1%
Wood	3.1%

Households & families

Household type	Count	%
Married-couple family	1,891	67.1%
Cohabiting couple	158	5.6%
Male householder, no spouse	329	11.7%
Female householder, no spouse	440	15.6%
Households with children under 18	1,088	38.6%
Households with seniors (65+)	813	28.9%
Average household size	2.75

Marital status

Status	Male	Female
Never married	24.7%	19.6%
Married	64.5%	61.6%
Separated	0.3%	0.0%
Widowed	2.2%	8.3%
Divorced	8.3%	10.5%

Education

Less than 9th grade 0.6%

Some HS, no diploma 3.5%

HS graduate 23.4%

Some college, no degree 24.4%

Associate's degree 19.6%

Bachelor's degree 18.3%

Graduate / professional 10.3%

Metric	%
HS diploma or higher	95.9%
Bachelor's or higher	28.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	65	3.1%
Kindergarten	132	6.2%
Elementary school	955	45.1%
High school	591	27.9%
College / grad school	373	17.6%

Employment

Industry of employment

Education & healthcare 28.1%

Manufacturing 13.5%

Retail trade 10.9%

Professional & management 10.2%

Construction 8.3%

Arts, food & hospitality 6.6%

Public administration 5.4%

Transportation & utilities 4.4%

Finance & real estate 4.4%

Wholesale trade 4.3%

Other services 2.3%

Agriculture & mining 0.8%

Information 0.7%

Occupation

Category	%
Management, business & arts	41.1%
Service	12.7%
Sales & office	19.9%
Natural resources & construction	12.8%
Production & transportation	13.6%

Employment type

Type	%
Private sector	82.1%
Government	14.7%
Self-employed	3.2%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	78.9%
Carpool	8.0%
Public transit	0.1%
Walk	1.8%
Work from home	10.1%
Other means	1.1%
Avg commute (minutes)	31.9

Poverty

All people 4.4%

Under 18 years 3.5%

18 and over 4.8%

Married-couple families 0.4%

Female-led households 32.7%

Income support

Source	% of households
Social Security	32.5%
Retirement income	30.9%
Supplemental Security	3.9%
Cash public assistance	1.8%
Food stamps / SNAP	6.4%

Health indicators

Condition	%
Obesity	34.5%
High blood pressure	29.7%
High cholesterol	30.7%
Diabetes	8.5%
Heart disease	5.8%
Stroke	2.6%
Asthma	8.6%
Arthritis	23.3%
Kidney disease	2.6%
Pulmonary disease	5.1%
Cancer	7.0%

Behavior / access	%
Smoking	16.2%
Binge drinking	20.2%
No physical activity	18.9%
Less than 7 hrs sleep	25.9%
Depression	20.8%
Fair or poor health	10.5%
Poor mental health	12.6%
Poor physical health	8.6%
No health insurance	9.5%
Visited doctor (checkup)	69.3%
Visited dentist	69.6%
Cholesterol screening	90.5%
Teeth loss	9.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	440	7.8%

Disability	%
Any disability	8.8%
Under 18	2.4%
18–64 years	7.7%
65 and over	24.7%

Health insurance coverage

Type	%
Private insurance	81.5%
Public insurance	26.3%
No insurance	2.5%
Uninsured under 19	2.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	7,258	93.3%
Spanish	73	1.0%
Other Indo-European	42	0.6%
Asian & Pacific Islander	21	0.3%
Other languages	10	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	7,652	98.3%
Born in same state	7,598	97.6%
Born in different state	6,152	79.1%
Foreign born	54	0.7%
Naturalized citizen	129	1.7%
Not a US citizen	92	71.3%

Ancestry

Ancestry	Count	%
Polish	1,345	17.3%
Italian	850	10.9%
French	297	3.8%
German	194	2.5%

Ancestry	Count	%
Arab	132	1.7%
English	85	1.1%
Dutch	41	0.5%
Irish	3	0%

Technology access

Metric	% of households
Computer access	36.2%
Internet access	96.0%

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

Frequently asked questions about ZIP code 55045

What city is ZIP code 55045 in?

ZIP code 55045 is primarily assigned to Lindstrom, Minnesota.

What county is ZIP code 55045 in?

ZIP code 55045 falls within Chisago County, Minnesota.

Is ZIP code 55045 mostly owner-occupied?

92% of occupied units in ZIP code 55045 are owner-occupied, well above the national average.

What is the typical home value in ZIP code 55045?

The median home value in ZIP code 55045 is $354,100.

What is the median household income in ZIP code 55045?

The median household income in ZIP code 55045 is $108,148, above the national median of ~$75,000.

What is the population of ZIP code 55045?

ZIP code 55045 has an estimated population of 7,781 residents, with a density of 224 people per square mile.

What timezone is ZIP code 55045 in?

ZIP code 55045 observes the CST timezone.