Paynesville ZIP Codes — Stearns County, MN

There is one unique ZIP code in Paynesville, Minnesota and it is 56362. Area code: 320.

ZIP codes

150.08

sq mi land

8.10

sq mi water

320

area code

Paynesville, MN ZIP code map

About Paynesville, MN

Paynesville is a charming city located in central Minnesota, known for its welcoming community and scenic landscapes. Situated in Stearns County, it offers residents and visitors a blend of rural charm and small-town amenities. With its picturesque lakes and parks, Paynesville attracts those looking for outdoor activities and a peaceful lifestyle.

Location & geography

Paynesville occupies an area of 150.08 square miles, of which 8.10 square miles is water, making it a picturesque location for nature enthusiasts. The city is located approximately 20 miles west of the larger city of St. Cloud and is enveloped by various lakes that enhance its natural beauty. Nearby cities include Cold Spring, about 12 miles to the northeast, and Richmond, roughly 10 miles to the east.

Community & economy

The community of Paynesville is characterized by its friendly atmosphere and strong local ties, making it a great place for families and individuals alike. Local industries contribute to the economy, with agriculture and small businesses playing significant roles in daily life. Residents enjoy a variety of activities, from participating in local festivals to enjoying recreational opportunities around the many bodies of water.

Transportation

Paynesville is served by State Highway 23 and State Highway 55, providing convenient access for travelers and residents. The nearest major airport is the St. Cloud Regional Airport, located approximately 22 miles away, which facilitates regional air travel. Public transit options are limited, focusing primarily on community shuttle services.

History

Paynesville was founded in the mid-19th century, specifically around 1868, and has since developed into a thriving community. Key industries in the area have included agriculture and small-scale manufacturing, which have contributed to the city's growth over the years. Notable events such as the annual Paynesville Potato Days festival celebrate the city's agricultural heritage and community spirit.

Did you know?

One surprising fact about Paynesville is that it has a rich history tied to German and Scandinavian heritage, influencing its local culture and traditions. Additionally, the city is well-known for its beautiful lakes, making it a popular destination for fishing and water sports.

ZIP codes for Paynesville, MN (1)

ZIP code	City	County	Map
56362	Paynesville	Stearns	View map

Demographics & statistics

5,659

Population

46.7

Median age

$78,033

Median household income

$40,540

Per capita income

$238,600

Median home value

$725

Median monthly rent

83.3%

Home ownership

4.6%

Poverty rate

1.7%

Unemployment

2,576

Housing units

27.2%

Bachelor's or higher

Age distribution

Male Female

164

Under 5

148

151

5–9

135

152

10–14

137

273

15–19

244

138

20–24

124

253

25–34

226

303

35–44

272

357

45–54

320

254

55–59

227

215

60–64

193

401

65–74

360

216

75–84

194

106

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,188	21.0%
18 and over	4,471	79.0%
65 and over	1,373	24.3%
Median age	46.7 years

Race & ethnicity

White 92.1%

Two or more races 3%

Hispanic or Latino 2.3%

Black or African American 1.1%

Other race 1%

Asian 0.3%

American Indian / Alaska Native 0.2%

Group	Count	%
White	5,333	92.1%
Two or more races	174	3%
Hispanic or Latino	131	2.3%
Black or African American	66	1.1%
Other race	57	1%
Asian	16	0.3%
American Indian / Alaska Native	13	0.2%

Household income

Under $10k 1.4%

$10k–$15k 4.9%

$15k–$25k 6.3%

$25k–$35k 7.0%

$35k–$50k 9.3%

$50k–$75k 18.8%

$75k–$100k 15.6%

$100k–$150k 20.7%

$150k–$200k 10.7%

$200k+ 5.4%

Range	% of households
Under $10k	1.4%
$10k–$15k	4.9%
$15k–$25k	6.3%
$25k–$35k	7.0%
$35k–$50k	9.3%
$50k–$75k	18.8%
$75k–$100k	15.6%
$100k–$150k	20.7%
$150k–$200k	10.7%
$200k+	5.4%
Median income	$78,033

Housing

Home values

Under $50k 1.9%

$50k–$100k 5.2%

$100k–$150k 16.1%

$150k–$200k 15.9%

$200k–$300k 29.7%

$300k–$500k 22.0%

$500k–$1M 7.2%

$1M+ 2.0%

Housing overview

Metric	Value
Median home value	$238,600
Median rent / month	$725
Owner occupied	83.3%
Renter occupied	16.7%
Vacant	23.9%
Single-family detached	83.9%
Large apartment buildings	4.0%
Mobile homes	2.3%
Median rooms	6.7
Avg household size (owned)	2.56

Year built

Era	%
2020 or later	0.5%
2010–2019	5.2%
2000–2009	14.2%
1990–1999	11.3%
1980–1989	8.5%
1970–1979	20.1%
1960–1969	9.3%
1950–1959	8.9%
1940–1949	6.0%
1939 or earlier	15.9%

Bedrooms

Size	% of units
No bedroom (studio)	0.7%
1 bedroom	8.6%
2 bedrooms	22.5%
3 bedrooms	34.3%
4 bedrooms	26.6%
5+ bedrooms	7.2%

Vehicles per household

Vehicles	% of households
No vehicle	3.7%
1 vehicle	24.4%
2 vehicles	40.2%
3 or more	31.8%

Heating fuel

Fuel type	%
Utility gas	45.6%
Electricity	15.8%
Propane / LP gas	29.6%
Fuel oil	2.1%
Wood	4.4%
No fuel used	1.1%

Households & families

Household type	Count	%
Married-couple family	1,360	60.6%
Cohabiting couple	174	7.8%
Male householder, no spouse	327	14.6%
Female householder, no spouse	383	17.1%
Households with children under 18	606	27.0%
Households with seniors (65+)	874	38.9%
Average household size	2.50

Marital status

Status	Male	Female
Never married	29.9%	22.2%
Married	58.8%	58.7%
Separated	0.1%	0.3%
Widowed	3.5%	8.7%
Divorced	7.8%	10.0%

Education

Less than 9th grade 3.3%

Some HS, no diploma 2.5%

HS graduate 33.7%

Some college, no degree 18.6%

Associate's degree 14.7%

Bachelor's degree 18.8%

Graduate / professional 8.4%

Metric	%
HS diploma or higher	94.3%
Bachelor's or higher	27.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	58	4.5%
Kindergarten	47	3.6%
Elementary school	448	34.7%
High school	428	33.2%
College / grad school	310	24.0%

Employment

Industry of employment

Education & healthcare 23.4%

Manufacturing 16.2%

Retail trade 10.7%

Construction 9.8%

Arts, food & hospitality 7.4%

Transportation & utilities 6.2%

Other services 5.7%

Agriculture & mining 5.1%

Professional & management 4.9%

Finance & real estate 3.7%

Public administration 3.3%

Wholesale trade 2.6%

Information 1.0%

Occupation

Category	%
Management, business & arts	32.0%
Service	15.3%
Sales & office	21.2%
Natural resources & construction	11.9%
Production & transportation	19.6%

Employment type

Type	%
Private sector	77.1%
Government	12.4%
Self-employed	10.3%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	76.6%
Carpool	5.6%
Public transit	2.6%
Walk	2.5%
Other means	1.2%
Avg commute (minutes)	25.9

Poverty

All people 4.6%

Under 18 years 3.4%

18 and over 4.9%

Married-couple families 1.4%

Female-led households 0.0%

Income support

Source	% of households
Social Security	40.3%
Retirement income	26.1%
Supplemental Security	2.9%
Cash public assistance	1.6%
Food stamps / SNAP	5.4%

Health indicators

Condition	%
High blood pressure	32.9%
High cholesterol	32.4%
Heart disease	7.7%
Stroke	3.6%
Asthma	8.6%
Arthritis	27.0%
Kidney disease	3.3%
Pulmonary disease	6.7%
Cancer	8.2%

Behavior / access	%
Binge drinking	18.2%
No physical activity	23.5%
Less than 7 hrs sleep	28.8%
Fair or poor health	13.5%
Poor mental health	13.0%
Poor physical health	10.4%
No health insurance	11.1%
Visited doctor (checkup)	71.7%
Visited dentist	69.2%
Cholesterol screening	89.6%
Teeth loss	12.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	372	8.3%

Disability	%
Any disability	9.6%
Under 18	1.6%
18–64 years	6.8%
65 and over	23.1%

Health insurance coverage

Type	%
Private insurance	81.9%
Public insurance	32.5%
Uninsured under 19	7.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	5,347	94.5%
Spanish	22	0.4%
Other Indo-European	15	0.3%
Asian & Pacific Islander	7	0.1%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	5,593	98.8%
Born in same state	5,588	98.7%
Born in different state	4,859	85.9%
Foreign born	5	0.1%
Naturalized citizen	66	1.2%
Not a US citizen	20	30.3%

Ancestry

Ancestry	Count	%
Polish	638	11.3%
Italian	484	8.6%
French	219	3.9%
Arab	168	3%
English	36	0.6%

Ancestry	Count	%
German	20	0.4%
Norwegian	9	0.2%
Dutch	9	0.2%
Irish	3	0.1%

Technology access

Metric	% of households
Computer access	39.7%
Internet access	89.8%

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

Frequently asked questions

What ZIP codes does Paynesville, MN have?

Paynesville, MN has one ZIP code: 56362. Each ZIP code serves a distinct delivery area within the city and surrounding region.