55616 ZIP Code — Two Harbors, MN

Lake County, Minnesota

ZIP code 55616 is located in Two Harbors, Minnesota, within Lake County. It covers approximately 479.73 square miles and serves a population of 7,300 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 218.

About ZIP code 55616

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 $217,900. Owner-occupancy is high at 81%, well above the national average.

Median household income is $75,966. 40% 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 26 minutes is near the national average.

Educational attainment is near the national average, with 23% of residents holding a bachelor's degree or higher.

Overall, ZIP code 55616 reflects a community defined by high homeownership and a significant Social Security-dependent population.

7,300

population

479.73

sq mi land

Standard

ZIP type

Central (CT)

timezone

55616 ZIP code map

Cities in ZIP code 55616

Below are the cities the US Postal Service accepts for ZIP code 55616. Using any city not on this list may result in mail delivery delays.

City	Status
Two Harbors	Preferred

Nearby ZIP codes

55614 Silver Bay (18.8 mi)

Demographics updated 06/2026

Population
Total population	7,300
Population density	15 / sq mi
State FIPS	27
County FIPS	075

Geography
Land area	479.73 sq mi
Water area	16.96 sq mi
Latitude	47.1596
Longitude	-91.6102
Timezone	Central (CT)
Area code	218

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	34.4%	36.1%	33.6%
$50k – $100k	37.1%	36.0%	31.5%
$100k – $200k	25.4%	25.0%	26.5%
Over $200k	3.2%	3.0%	8.5%

Demographics & statistics

7,300

Population

People per sq mi

44.8

Median age

$75,966

Median household income

$38,489

Per capita income

$217,900

Median home value

$777

Median monthly rent

81.2%

Home ownership

8.1%

Poverty rate

2.3%

Unemployment

3,538

Housing units

23.2%

Bachelor's or higher

Age distribution

Male Female

195

Under 5

180

284

5–9

263

181

10–14

167

205

15–19

190

200

20–24

185

347

25–34

322

497

35–44

460

437

45–54

405

356

55–59

329

273

60–64

253

457

65–74

423

248

75–84

229

112

85+

103

← Male

Female →

Age summary

Group	Count	%
Under 18	1,569	21.5%
18 and over	5,731	78.5%
65 and over	1,572	21.5%
Median age	44.8 years

Race & ethnicity

White 96.1%

Two or more races 2.2%

Hispanic or Latino 0.8%

Other race 0.4%

American Indian / Alaska Native 0.3%

Black or African American 0.2%

Group	Count	%
White	7,069	96.1%
Two or more races	162	2.2%
Hispanic or Latino	59	0.8%
Other race	32	0.4%
American Indian / Alaska Native	25	0.3%
Black or African American	12	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	34.4%	36.1%	33.6%
$50k – $100k	37.1%	36.0%	31.5%
$100k – $200k	25.4%	25.0%	26.5%
Over $200k	3.2%	3.0%	8.5%

Under $10k 3.7%

$10k–$15k 4.2%

$15k–$25k 10.7%

$25k–$35k 5.3%

$35k–$50k 5.1%

$50k–$75k 19.9%

$75k–$100k 17.8%

$100k–$150k 21.7%

$150k–$200k 6.3%

$200k+ 5.4%

Range	% of households
Under $10k	3.7%
$10k–$15k	4.2%
$15k–$25k	10.7%
$25k–$35k	5.3%
$35k–$50k	5.1%
$50k–$75k	19.9%
$75k–$100k	17.8%
$100k–$150k	21.7%
$150k–$200k	6.3%
$200k+	5.4%
Median income	$75,966

Housing

Home values

Under $50k 3.4%

$50k–$100k 4.2%

$100k–$150k 15.1%

$150k–$200k 21.6%

$200k–$300k 25.5%

$300k–$500k 20.9%

$500k–$1M 8.4%

$1M+ 0.8%

Housing overview

Metric	Value
Median home value	$217,900
Median rent / month	$777
Owner occupied	81.2%
Renter occupied	18.8%
Vacant	22.0%
Single-family detached	80.8%
Large apartment buildings	4.3%
Mobile homes	2.8%
Median rooms	5.5
Avg household size (owned)	2.31

Year built

Era	%
2020 or later	0.1%
2010–2019	3.4%
2000–2009	15.1%
1990–1999	7.7%
1980–1989	9.5%
1970–1979	13.6%
1960–1969	5.7%
1950–1959	15.9%
1940–1949	6.1%
1939 or earlier	22.9%

Bedrooms

Size	% of units
No bedroom (studio)	3.4%
1 bedroom	11.0%
2 bedrooms	28.8%
3 bedrooms	40.1%
4 bedrooms	13.6%
5+ bedrooms	3.0%

Vehicles per household

Vehicles	% of households
No vehicle	4.4%
1 vehicle	27.7%
2 vehicles	36.9%
3 or more	31.0%

Heating fuel

Fuel type	%
Utility gas	45.4%
Electricity	16.8%
Propane / LP gas	29.4%
Fuel oil	4.0%
Wood	3.8%

Households & families

Household type	Count	%
Married-couple family	1,652	51.1%
Cohabiting couple	267	8.3%
Male householder, no spouse	656	20.3%
Female householder, no spouse	660	20.4%
Households with children under 18	829	25.6%
Households with seniors (65+)	1,104	34.1%
Average household size	2.21

Marital status

Status	Male	Female
Never married	23.8%	19.2%
Married	56.1%	56.3%
Separated	0.2%	1.8%
Widowed	6.6%	10.7%
Divorced	13.4%	12.0%

Education

Less than 9th grade 1.8%

Some HS, no diploma 6.9%

HS graduate 30.5%

Some college, no degree 21.3%

Associate's degree 16.3%

Bachelor's degree 14.9%

Graduate / professional 8.3%

Metric	%
HS diploma or higher	91.3%
Bachelor's or higher	23.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	90	6.6%
Kindergarten	127	9.3%
Elementary school	669	48.9%
High school	292	21.3%
College / grad school	190	13.9%

Employment

Industry of employment

Education & healthcare 17.6%

Arts, food & hospitality 15.6%

Manufacturing 12.2%

Construction 11.0%

Retail trade 9.1%

Transportation & utilities 8.4%

Professional & management 5.4%

Finance & real estate 4.9%

Public administration 4.9%

Agriculture & mining 4.4%

Other services 3.6%

Wholesale trade 2.5%

Information 0.3%

Occupation

Category	%
Management, business & arts	34.2%
Service	20.0%
Sales & office	13.7%
Natural resources & construction	14.5%
Production & transportation	17.7%

Employment type

Type	%
Private sector	84.5%
Government	9.4%
Self-employed	4.9%
Unpaid family workers	1.3%

Commute

Method	%
Drive alone	75.5%
Carpool	7.4%
Public transit	0.3%
Walk	4.6%
Work from home	11.4%
Other means	0.9%
Avg commute (minutes)	25.6

Poverty

All people 8.1%

Under 18 years 7.0%

18 and over 8.4%

Married-couple families 3.5%

Female-led households 35.1%

Income support

Source	% of households
Social Security	40.3%
Retirement income	29.6%
Supplemental Security	4.5%
Cash public assistance	0.7%
Food stamps / SNAP	6.6%

Health indicators

Condition	%
Obesity	36.0%
High blood pressure	33.0%
High cholesterol	32.2%
Diabetes	10.0%
Heart disease	7.3%
Stroke	3.4%
Asthma	9.0%
Arthritis	26.6%
Kidney disease	3.1%
Pulmonary disease	6.3%
Cancer	8.1%

Behavior / access	%
Smoking	17.7%
Binge drinking	19.1%
No physical activity	21.5%
Less than 7 hrs sleep	29.6%
Depression	21.6%
Fair or poor health	12.8%
Poor mental health	13.0%
Poor physical health	10.1%
No health insurance	10.3%
Visited doctor (checkup)	70.8%
Visited dentist	65.6%
Cholesterol screening	90.4%
Teeth loss	11.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	402	7.0%

Disability	%
Any disability	15.5%
Under 18	6.2%
18–64 years	11.4%
65 and over	36.6%

Health insurance coverage

Type	%
Private insurance	73.1%
Public insurance	39.4%
No insurance	5.4%
Uninsured under 19	5.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	6,925	94.9%
Spanish	9	0.1%
Other Indo-European	1	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	7,248	99.3%
Born in same state	7,226	99.0%
Born in different state	5,512	75.5%
Foreign born	22	0.3%
Naturalized citizen	52	0.7%
Not a US citizen	34	65.4%

Ancestry

Ancestry	Count	%
Polish	1,362	18.7%
French	627	8.6%
Italian	594	8.1%
Arab	226	3.1%

Ancestry	Count	%
English	201	2.8%
German	158	2.2%
Dutch	28	0.4%

Technology access

Metric	% of households
Computer access	44.3%
Internet access	91.7%

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

Frequently asked questions about ZIP code 55616

What city is ZIP code 55616 in?

ZIP code 55616 is primarily assigned to Two Harbors, Minnesota.

What county is ZIP code 55616 in?

ZIP code 55616 falls within Lake County, Minnesota.

Is ZIP code 55616 mostly owner-occupied?

81% of occupied units in ZIP code 55616 are owner-occupied, well above the national average.

Does ZIP code 55616 have a large retiree population?

40% of households in ZIP code 55616 receive Social Security income, suggesting a significant retiree or disability population.

What is the population of ZIP code 55616?

ZIP code 55616 has an estimated population of 7,300 residents, with a density of 15 people per square mile.

What is the typical home value in ZIP code 55616?

The median home value in ZIP code 55616 is $217,900.

What timezone is ZIP code 55616 in?

ZIP code 55616 observes the CST timezone.