56586 ZIP Code — Underwood, MN

Otter Tail County, Minnesota

ZIP code 56586 is located in Underwood, Minnesota, within Otter Tail County. It covers approximately 73.64 square miles and serves a population of 1,808 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 218.

About ZIP code 56586

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 $265,300. Owner-occupancy is high at 92%, well above the national average.

Median household income is $76,080. The poverty rate of 6% is below the national average. 43% 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 30 minutes is near the national average.

Educational attainment is near the national average, with 26% of residents holding a bachelor's degree or higher.

Overall, ZIP code 56586 reflects a community defined by high homeownership and a significant Social Security-dependent population.

1,808

population

73.64

sq mi land

Standard

ZIP type

Central (CT)

timezone

56586 ZIP code map

Cities in ZIP code 56586

Below are the cities the US Postal Service accepts for ZIP code 56586. Using any city not on this list may result in mail delivery delays.

City	Status
Underwood	Acceptable
Underwood	Preferred

Nearby ZIP codes

56515 Battle Lake (6.5 mi) 56324 Dalton (11.1 mi) 56576 Richville (11.4 mi) 56524 Clitherall (12.5 mi) 56537 Fergus Falls (13.1 mi) 56534 Erhard (13.2 mi) 56528 Dent (13.5 mi) 56571 Ottertail (15.9 mi) 56309 Ashby (17 mi) 56588 Vining (17.9 mi) 56551 Henning (19 mi)

Demographics updated 05/2026

Population
Total population	1,808
Population density	25 / sq mi
State FIPS	27
County FIPS	111

Geography
Land area	73.64 sq mi
Water area	13.31 sq mi
Latitude	46.3276
Longitude	-95.8259
Timezone	Central (CT)
Area code	218

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	36.3%	43.1%	33.6%
$50k – $100k	38.0%	33.2%	31.5%
$100k – $200k	22.1%	19.7%	26.5%
Over $200k	3.6%	4.0%	8.5%

Demographics & statistics

1,808

Population

People per sq mi

51.6

Median age

$76,080

Median household income

$41,055

Per capita income

$265,300

Median home value

$988

Median monthly rent

91.8%

Home ownership

6.2%

Poverty rate

3.0%

Unemployment

1,235

Housing units

25.5%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

112

45–54

102

55–59

60–64

171

65–74

155

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	368	20.4%
18 and over	1,440	79.6%
65 and over	484	26.8%
Median age	51.6 years

Race & ethnicity

White 95.3%

Two or more races 3.7%

Hispanic or Latino 0.7%

Other race 0.3%

Black or African American 0.1%

Group	Count	%
White	1,735	95.3%
Two or more races	67	3.7%
Hispanic or Latino	13	0.7%
Other race	5	0.3%
Black or African American	1	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	36.3%	43.1%	33.6%
$50k – $100k	38.0%	33.2%	31.5%
$100k – $200k	22.1%	19.7%	26.5%
Over $200k	3.6%	4.0%	8.5%

Under $10k 0.6%

$10k–$15k 3.2%

$15k–$25k 7.0%

$25k–$35k 4.7%

$35k–$50k 13.2%

$50k–$75k 20.0%

$75k–$100k 17.4%

$100k–$150k 21.7%

$150k–$200k 6.9%

$200k+ 5.2%

Range	% of households
Under $10k	0.6%
$10k–$15k	3.2%
$15k–$25k	7.0%
$25k–$35k	4.7%
$35k–$50k	13.2%
$50k–$75k	20.0%
$75k–$100k	17.4%
$100k–$150k	21.7%
$150k–$200k	6.9%
$200k+	5.2%
Median income	$76,080

Housing

Home values

Under $50k 2.6%

$50k–$100k 6.1%

$100k–$150k 10.6%

$150k–$200k 11.4%

$200k–$300k 32.9%

$300k–$500k 23.4%

$500k–$1M 11.8%

$1M+ 1.1%

Housing overview

Metric	Value
Median home value	$265,300
Median rent / month	$988
Owner occupied	91.8%
Renter occupied	8.2%
Vacant	38.4%
Single-family detached	89.2%
Large apartment buildings	0.0%
Mobile homes	9.1%
Median rooms	6.4
Avg household size (owned)	2.25

Year built

Era	%
2020 or later	0.0%
2010–2019	9.3%
2000–2009	18.4%
1990–1999	15.7%
1980–1989	9.6%
1970–1979	11.1%
1960–1969	9.1%
1950–1959	3.5%
1940–1949	2.5%
1939 or earlier	20.7%

Bedrooms

Size	% of units
No bedroom (studio)	0.1%
1 bedroom	8.5%
2 bedrooms	24.1%
3 bedrooms	43.4%
4 bedrooms	18.1%
5+ bedrooms	5.9%

Vehicles per household

Vehicles	% of households
No vehicle	1.6%
1 vehicle	18.9%
2 vehicles	40.9%
3 or more	38.6%

Heating fuel

Fuel type	%
Utility gas	4.0%
Electricity	19.5%
Propane / LP gas	54.1%
Fuel oil	10.9%
Wood	8.6%
No fuel used	0.4%

Households & families

Household type	Count	%
Married-couple family	465	58.1%
Cohabiting couple	44	5.5%
Male householder, no spouse	161	20.1%
Female householder, no spouse	131	16.4%
Households with children under 18	188	23.5%
Households with seniors (65+)	336	41.9%
Average household size	2.26

Marital status

Status	Male	Female
Never married	20.6%	10.9%
Married	59.0%	68.2%
Separated	1.5%	0.3%
Widowed	4.6%	10.6%
Divorced	14.4%	10.0%

Education

Less than 9th grade 0.5%

Some HS, no diploma 5.7%

HS graduate 27.1%

Some college, no degree 24.9%

Associate's degree 16.4%

Bachelor's degree 19.1%

Graduate / professional 6.4%

Metric	%
HS diploma or higher	93.8%
Bachelor's or higher	25.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	32	9.5%
Kindergarten	18	5.3%
Elementary school	165	48.8%
High school	86	25.4%
College / grad school	37	10.9%

Employment

Industry of employment

Education & healthcare 23.5%

Manufacturing 12.4%

Construction 11.7%

Retail trade 11.4%

Professional & management 9.7%

Agriculture & mining 5.4%

Transportation & utilities 4.4%

Public administration 4.3%

Information 4.2%

Arts, food & hospitality 4.2%

Finance & real estate 3.5%

Other services 3.1%

Wholesale trade 2.2%

Occupation

Category	%
Management, business & arts	35.0%
Service	15.4%
Sales & office	21.8%
Natural resources & construction	14.8%
Production & transportation	13.1%

Employment type

Type	%
Private sector	76.3%
Government	17.3%
Self-employed	6.4%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	78.1%
Carpool	12.3%
Public transit	0.2%
Walk	1.6%
Work from home	5.9%
Other means	1.9%
Avg commute (minutes)	29.9

Poverty

All people 6.2%

Under 18 years 6.3%

18 and over 6.2%

Married-couple families 2.6%

Female-led households 11.6%

Income support

Source	% of households
Social Security	42.9%
Retirement income	29.7%
Supplemental Security	4.0%
Cash public assistance	1.7%
Food stamps / SNAP	4.7%

Health indicators

Condition	%
Obesity	30.6%
High blood pressure	34.1%
High cholesterol	36.2%
Diabetes	9.9%
Heart disease	7.5%
Stroke	3.3%
Asthma	8.3%
Arthritis	27.4%
Kidney disease	3.2%
Pulmonary disease	6.1%
Cancer	8.6%

Behavior / access	%
Smoking	15.7%
Binge drinking	18.8%
No physical activity	19.7%
Less than 7 hrs sleep	24.2%
Depression	21.1%
Fair or poor health	12.0%
Poor mental health	11.6%
Poor physical health	9.5%
No health insurance	9.2%
Visited doctor (checkup)	74.5%
Visited dentist	71.4%
Cholesterol screening	92.2%
Teeth loss	9.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	137	9.5%

Disability	%
Any disability	12.7%
Under 18	4.1%
18–64 years	9.6%
65 and over	25.2%

Health insurance coverage

Type	%
Private insurance	77.9%
Public insurance	42.3%
No insurance	3.2%
Uninsured under 19	5.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,745	96.5%
Spanish	22	1.3%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	22	1.3%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,785	98.7%
Born in same state	1,784	98.7%
Born in different state	1,359	75.2%
Foreign born	1	0.1%
Naturalized citizen	23	1.3%
Not a US citizen	1	4.3%

Ancestry

Ancestry	Count	%
Polish	679	37.6%
Italian	116	6.4%
French	47	2.6%
Arab	47	2.6%

Ancestry	Count	%
English	42	2.3%
Dutch	37	2%
German	4	0.2%

Technology access

Metric	% of households
Computer access	44.3%
Internet access	93.8%

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

Frequently asked questions about ZIP code 56586

What city is ZIP code 56586 in?

ZIP code 56586 is primarily assigned to Underwood, Minnesota.

What county is ZIP code 56586 in?

ZIP code 56586 falls within Otter Tail County, Minnesota.

Is ZIP code 56586 mostly owner-occupied?

92% of occupied units in ZIP code 56586 are owner-occupied, well above the national average.

Does ZIP code 56586 have an older population?

27% of residents in ZIP code 56586 are 65 or older, above the national average of ~17%.

Does ZIP code 56586 have a large retiree population?

43% of households in ZIP code 56586 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 56586 have a large veteran population?

10% of civilians in ZIP code 56586 are veterans, above the national average of ~7%.

What timezone is ZIP code 56586 in?

ZIP code 56586 observes the CST timezone.