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Minnesota ZIP Codes
Winona County
Saint Charles, MN
55972
55972 ZIP Code — Saint Charles, MN
Winona County, Minnesota
ZIP code 55972 is located in
Saint Charles ,
Minnesota ,
within Winona County .
It covers approximately 88.26 square miles and serves a population of
5,326 residents.
This is a standard ZIP code in the Central (CT) timezone,
served by area code 507 .
About ZIP code 55972
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 $237,900. Owner-occupancy is high at 85%, well above the national average.
The gap between median ($92,401) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 5% is below the national average.
The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 25 minutes is near the national average.
Educational attainment is near the national average, with 35% of residents holding a bachelor's degree or higher.
Notable community characteristics include a notable veteran presence at 12% of civilians, above the national average of 7%.
Overall, ZIP code 55972 reflects a community defined by a strong veteran community and high homeownership.
55972 ZIP code map
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Cities in ZIP code 55972
Below are the cities the US Postal Service accepts for ZIP code 55972. Using any city not on this list may result in mail delivery delays.
Nearby ZIP codes
Demographics
updated 05/2026
Population
Total population
5,326
Population density
60 / sq mi
State FIPS
27
County FIPS
169
Geography
Land area
88.26 sq mi
Water area
0.00 sq mi
Latitude
43.9770
Longitude
-92.0638
Timezone
Central (CT)
Area code
507
Economics
updated 05/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
24.0%
42.8%
33.6%
$50k – $100k
31.7%
32.3%
31.5%
$100k – $200k
30.6%
21.1%
26.5%
Over $200k
13.8%
3.8%
8.5%
Demographics & statistics
$92,401
Median household income
$237,900
Median home value
34.6%
Bachelor's or higher
Age distribution
Age summary
Group Count % Under 18 1,464 27.5% 18 and over 3,862 72.5% 65 and over 774 14.5% Median age 37.9 years
Race & ethnicity
Group Count % White 4,900 89.5% Asian 257 4.7% Hispanic or Latino 151 2.8% Other race 114 2.1% Two or more races 53 1%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
24.0%
42.8%
33.6%
$50k – $100k
31.7%
32.3%
31.5%
$100k – $200k
30.6%
21.1%
26.5%
Over $200k
13.8%
3.8%
8.5%
Range % of households Under $10k 3.0% $10k–$15k 2.8% $15k–$25k 1.9% $25k–$35k 6.2% $35k–$50k 9.0% $50k–$75k 16.9% $75k–$100k 14.5% $100k–$150k 24.8% $150k–$200k 9.1% $200k+ 11.8% Median income $92,401
Housing
Housing overview
Metric Value Median home value $237,900 Median rent / month $906 Owner occupied 85.0% Renter occupied 15.0% Vacant 6.4% Single-family detached 83.3% Large apartment buildings 0.3% Mobile homes 0.8% Median rooms 7.0 Avg household size (owned) 2.73
Year built
Era % 2020 or later 0.6% 2010–2019 3.8% 2000–2009 12.9% 1990–1999 14.3% 1980–1989 11.1% 1970–1979 11.0% 1960–1969 5.6% 1950–1959 6.9% 1940–1949 4.8% 1939 or earlier 29.1%
Bedrooms
Size % of units No bedroom (studio) 1.5% 1 bedroom 6.8% 2 bedrooms 14.9% 3 bedrooms 33.6% 4 bedrooms 31.8% 5+ bedrooms 11.4%
Vehicles per household
Vehicles % of households No vehicle 2.4% 1 vehicle 19.1% 2 vehicles 45.8% 3 or more 32.7%
Heating fuel
Fuel type % Utility gas 66.2% Electricity 13.7% Propane / LP gas 12.9% Fuel oil 2.2% Wood 3.6% Solar 0.2% No fuel used 0.5%
Households & families
Household type Count % Married-couple family 1,146 56.5% Cohabiting couple 220 10.8% Male householder, no spouse 344 17.0% Female householder, no spouse 319 15.7% Households with children under 18 626 30.9% Households with seniors (65+) 509 25.1% Average household size 2.61
Marital status
Status Male Female Never married 26.2% 22.2% Married 54.2% 60.6% Separated 0.2% 0.5% Widowed 3.7% 5.5% Divorced 15.6% 11.2%
Education
Some college, no degree
17.0%
Graduate / professional
8.8%
Metric % HS diploma or higher 92.2% Bachelor's or higher 34.6%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 93 7.1% Kindergarten 42 3.2% Elementary school 763 58.6% High school 208 16.0% College / grad school 197 15.1%
Employment
Industry of employment
Education & healthcare
34.5%
Agriculture & mining
5.9%
Professional & management
5.8%
Transportation & utilities
5.0%
Finance & real estate
4.4%
Public administration
1.8%
Arts, food & hospitality
1.1%
Occupation
Category % Management, business & arts 43.3% Service 8.7% Sales & office 17.9% Natural resources & construction 14.2% Production & transportation 15.9%
Employment type
Type % Private sector 82.3% Government 10.7% Self-employed 6.6% Unpaid family workers 0.5%
Commute
Method % Drive alone 76.7% Carpool 5.0% Public transit 0.4% Walk 3.7% Work from home 13.5% Other means 0.8% Avg commute (minutes) 24.6
Poverty
Married-couple families
1.4%
Female-led households
7.3%
Income support
Source % of households Social Security 27.0% Retirement income 17.7% Supplemental Security 3.1% Cash public assistance 0.0% Food stamps / SNAP 1.5%
Health indicators
Condition % Obesity 34.8% High blood pressure 27.9% High cholesterol 28.4% Diabetes 8.6% Heart disease 5.9% Stroke 2.8% Asthma 8.8% Arthritis 21.9% Kidney disease 2.7% Pulmonary disease 5.2% Cancer 6.8%
Behavior / access % Smoking 16.9% Binge drinking 21.4% No physical activity 19.9% Less than 7 hrs sleep 28.5% Depression 21.8% Fair or poor health 11.2% Poor mental health 13.2% Poor physical health 8.9% No health insurance 11.2% Visited doctor (checkup) 70.6% Visited dentist 67.1% Cholesterol screening 88.8% Teeth loss 10.8%
Veterans & disability
Veterans Count % Civilian veterans 461 11.9%
Disability % Any disability 9.5% Under 18 2.7% 18–64 years 7.0% 65 and over 33.8%
Health insurance coverage
Type % Private insurance 78.7% Public insurance 22.1% No insurance 9.2% Uninsured under 19 20.1%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 4,946 92.9% Spanish 166 3.4% Other Indo-European 25 0.5% Asian & Pacific Islander 27 0.5% Other languages 114 2.3%
Place of birth & citizenship
Origin Count % Native born (US) 5,127 96.3% Born in same state 5,032 94.5% Born in different state 3,922 73.6% Foreign born 95 1.8% Naturalized citizen 199 3.7% Not a US citizen 135 67.8%
Ancestry
Ancestry Count % Italian 860 16.1% Polish 683 12.8% Arab 432 8.1% French 245 4.6%
Ancestry Count % Dutch 50 0.9% German 33 0.6% English 17 0.3%
Technology access
Metric % of households Computer access 38.1% Internet access 93.5%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 55972
What city is ZIP code 55972 in?
ZIP code 55972 is primarily assigned to Saint Charles, Minnesota.
What county is ZIP code 55972 in?
ZIP code 55972 falls within Winona County, Minnesota.
Is ZIP code 55972 mostly owner-occupied?
85% of occupied units in ZIP code 55972 are owner-occupied, well above the national average.
Does ZIP code 55972 have a large veteran population?
12% of civilians in ZIP code 55972 are veterans, above the national average of ~7%.
What is the population of ZIP code 55972?
ZIP code 55972 has an estimated population of 5,326 residents, with a density of 60 people per square mile.
What is the median household income in ZIP code 55972?
The median household income in ZIP code 55972 is $92,401, above the national median of ~$75,000.
What timezone is ZIP code 55972 in?
ZIP code 55972 observes the CST timezone.
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