Underwood ZIP Codes — Otter Tail County, MN

There is one unique ZIP code in Underwood, Minnesota and it is 56586. Area code: 218.

ZIP codes

73.64

sq mi land

13.31

sq mi water

218

area code

Underwood, MN ZIP code map

About Underwood, MN

Underwood, Minnesota, is a charming small town located in Otter Tail County. Known for its picturesque landscapes and friendly community, Underwood offers a peaceful lifestyle for its residents. With a unique blend of rural charm and modern amenities, it is an inviting place for both visitors and locals alike.

Location & geography

Underwood is situated in the west-central part of Minnesota, surrounded by beautiful lakes and rolling hills. The town is located approximately 12 miles northeast of Fergus Falls and about 24 miles southwest of Perham. The total land area covers 73.64 square miles, with an additional 13.31 square miles of water, providing ample opportunities for outdoor activities and recreation.

Community & economy

The character of Underwood is defined by its close-knit community and rural lifestyle, which fosters strong relationships among residents. The local economy relies on agriculture and small businesses, contributing to the town's unique charm and self-sufficiency. Daily life in Underwood reflects a balance of work and leisure, as residents enjoy outdoor activities, community events, and local gatherings.

Transportation

Transportation in Underwood is facilitated by nearby highways, with Minnesota State Highway 210 running just south of the town, providing easy access to surrounding areas. The nearest commercial airport is located in Fergus Falls, offering regional flights for residents and visitors. Public transit options are limited, but the town's walkability and bike-friendly roads make it accessible for local travel.

History

Underwood was founded in the late 19th century and has developed a rich history centered around agriculture and local commerce. The town has seen various phases of growth and change, particularly as it became a hub for farming and rural living in Otter Tail County. Notable events in its history include local fairs and festivals that celebrate the community's heritage and bring residents together.

Did you know?

A surprising fact about Underwood is that it has a fascinating history tied to the area's agricultural development, which has shaped its identity and community. Additionally, the town is known for its commitment to preserving local culture through events and gatherings that celebrate its unique heritage.

ZIP codes for Underwood, MN (1)

ZIP code	City	County	Map
56586	Underwood	Otter Tail	View map

Demographics & statistics

1,808

Population

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

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%
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	%
High blood pressure	34.1%
High cholesterol	36.2%
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	%
Binge drinking	18.8%
No physical activity	19.7%
Less than 7 hrs sleep	24.2%
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%
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

What ZIP codes does Underwood, MN have?

Underwood, MN has one ZIP code: 56586. Each ZIP code serves a distinct delivery area within the city and surrounding region.