Estimated median household income in 2007: $45,293
| This zip code: | $45,293 | | Minnesota: | $55,802 |
Nearest zip codes: 55708, 55705, 55782, 55750, 55790, 55741.
Housing units in zip code 55732 with a mortgage: 85 (8 second mortgage, 6 home equity loan, 0 both second mortgage and home equity loan)
Houses without a mortgage: 110
Median monthly owner costs for units with a mortgage: $1,024
Median monthly owner costs for units without a mortgage: $331
Residents with income below the poverty level in 2007:
| This zip code: | 12.0% | | Whole state: | 9.5% |
Residents with income below 50% of the poverty level in 2007:
| This zip code: | 4.3% | | Whole state: | 3.9% |
Median number of rooms in houses and condos:
| Here: | 5.4 | | State: | 6.6 |
Median number of rooms in apartments:
| Here: | 5.0 | | State: | 3.7 |
Year house built: |
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- 1999 to March 2000: 3
- 1995 to 1998: 25
- 1990 to 1994: 15
- 1980 to 1989: 87
- 1970 to 1979: 157
- 1960 to 1969: 125
- 1950 to 1959: 113
- 1940 to 1949: 21
- 1939 or earlier: 169
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Bedrooms in owner-occupied houses in 55732: |
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- no bedroom: 8
- 1 bedrooms: 37
- 2 bedrooms: 151
- 3 bedrooms: 304
- 4 bedrooms: 65
- 5 or more bedrooms: 18
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Bedrooms in renter-occupied apartments and housing units: |
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- no bedroom: 0
- 1 bedrooms: 2
- 2 bedrooms: 10
- 3 bedrooms: 10
- 4 bedrooms: 0
- 5 or more bedrooms: 0
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Vehicles available in 55732 zip code in owner-occupied houses/condos: |
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- no vehicle: 22
- 1 vehicle: 115
- 2 vehicles: 253
- 3 vehicles: 124
- 4 vehicles: 46
- 5 or more vehicles: 23
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Vehicles available in renter-occupied apartments: |
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- no vehicle: 0
- 1 vehicle: 10
- 2 vehicles: 7
- 3 vehicles: 5
- 4 vehicles: 0
- 5 or more vehicles: 0
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Estimated household income distribution in 2007:

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Estimate of home value of owner-occupied houses/condos in 2007 in zip code 55732:
- Less than $10,000: 6
- $10,000 to $14,999: 3
- $15,000 to $19,999: 6
- $20,000 to $24,999: 9
- $25,000 to $29,999: 11
- $30,000 to $34,999: 13
- $35,000 to $39,999: 7
- $40,000 to $49,999: 18
- $50,000 to $59,999: 32
- $60,000 to $69,999: 60
- $70,000 to $79,999: 44
- $80,000 to $89,999: 35
- $90,000 to $99,999: 42
- $100,000 to $124,999: 88
- $125,000 to $149,999: 83
- $150,000 to $174,999: 52
- $175,000 to $199,999: 26
- $200,000 to $249,999: 43
- $250,000 to $299,999: 18
- $300,000 to $399,999: 14
- $400,000 to $499,999: 5
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Rent paid by renters in 2007 in zip code 55732:
- $150 to $199: 3
- $200 to $249: 3
- $250 to $299: 1
- $300 to $349: 3
- No cash rent: 3
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Median price asked for vacant for-sale houses and condos in 2007: $81,388.
Estimated median house (or condo) value in 2007 for: - White Non-Hispanic householders: $104,358
Estimated median house or condo value in 2007: $112,684 (it was $58,000 in 2000)
| 55732: | $112,684 | | Minnesota: | $213,600 |
Lower value quartile - upper value quartile: $0 - $0
Mean price in 2007:
Detached houses: $137,737| Here: | $137,737 | | State: | $270,059 |
Townhouses or other attached units: $114,580| Here: | $114,580 | | State: | $220,268 |
Mobile homes: $32,442| Here: | $32,442 | | State: | $34,666 |
Breakdown of mean house values by ages of householders
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Housing units in structures:
- One, detached: 593
- One, attached: 2
- Two: 4
- Mobile homes: 106
- Boats, RVs, vans, etc.: 10

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Means of transportation to work
- Drove a car alone: 505 (80%)
- Carpooled: 86 (14%)
- Bus or trolley bus: 5 (1%)
- Walked: 5 (1%)
- Other means: 1 (0%)
- Worked at home: 27 (4%)
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Travel time to work
- Less than 5 minutes: 9
- 5 to 9 minutes: 52
- 10 to 14 minutes: 64
- 15 to 19 minutes: 64
- 20 to 24 minutes: 126
- 25 to 29 minutes: 78
- 30 to 34 minutes: 105
- 35 to 39 minutes: 23
- 40 to 44 minutes: 20
- 45 to 59 minutes: 41
- 60 to 89 minutes: 19
- 90 or more minutes: 1
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Percentage of zip code residents living and working in this county: 95.7%
Household type by relationship
Households: 1,461
- In family households: 1,250 (379 male householders, 47 female householders)
368 spouses, 400 children (366 natural, 19 adopted, 15 stepchildren), 9 grandchildren, 0 brothers or sisters, 2 parents, 7 other relatives, 38 non-relatives
- In nonfamily households: 211 (117 male householders (96 living alone)), 60 female householders (55 living alone)), 34 nonrelatives
Size of family households: 221 2-persons, 89 3-persons, 76 4-persons, 25 5-persons, 11 6-persons, 4 7-or-more-persons.
Size of nonfamily households: 151 1-person, 19 2-persons, 7 3-persons.
270 married couples with children.
57 single-parent households (20 men, 37 women).
92.3% of residents of 55732 zip code speak English at home.
0.8% of residents speak Spanish at home (100% very well).
2.2% of residents speak other Indo-European language at home (73% very well, 27% well).
0.1% of residents speak Asian or Pacific Island language at home (100% very well).
4.6% of residents speak other language at home (95% very well, 5% well).
Foreign born population: 12 (0.8%)
(83.3% of them are naturalized citizens)
| This zip code: | 0.8% | | Whole state: | 5.3% |
Most common places of birth for the foreign-born residents:
- Korea (58%)
- Other Northern Europe (33%)
Year of entry for the foreign-born population |
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- 1995 to March 2000: 2
- 1990 to 1994: 2
- 1985 to 1989: 5
- 1980 to 1984: 0
- 1975 to 1979: 0
- 1970 to 1974: 0
- 1970 to 1974: 0
- 1965 to 1969: 3
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White population: 1,451
Black population: 1
American Indian population: 15
Asian population: 6
Native Hawaiian and Other Pacific Islander population: 2
Some other race population: 5
Two or more races population: 6

First ancestries reported:
|  Finnish: 410 |
|  German: 194 |
|  Norwegian: 134 |
|  English: 53 |
|  United States or American: 48 |
|  Swedish: 45 |
|  Irish: 41 |
|  Polish: 38 |
|  Italian: 32 |
|  Slovene: 31 |
|  Other groups: 27 |
|  French (except Basque): 18 |
|  Slavic: 13 |
|  Yugoslavian: 12 |
|  Russian: 9 |
|  Croatian: 8 |
|  Czech: 6 |
|  Belgian: 6 |
|  Greek: 6 |
|  European: 6 |
|  French Canadian: 6 |
|  Scandinavian: 4 |
|  Swiss: 3 |
|  Dutch: 2 |
|  Scotch-Irish: 2 |
|  Serbian: 2 |
|  Czechoslovakian: 1 |
|  Scottish: 1 |
|  Welsh: 1 |

Facitilies with environmental interests located in this zip code:
- ARROWHEAD PROJECT RESCUE (7828 STROMBERG RD in EMBARRASS, MN)
STATE MASTER (Minnesota Pollution Control Agency permits and compilance tracking) - RCRAINFO-MNR000064337, NOT IN A UNIVERSE, RCRIS-MNR000064337, HAZARDOUS WASTE PROGRAM
Conditionally Exempt Small Quantity Generators, less than 100 kg/month of hazardous waste (Resource Conservation and Recovery Act (tracking hazardous waste)) - notification
Business SIC classification: REPAIR SHOPS AND RELATED SERVICES
Organizations: SHAW GEARY D (CONTACT/OWNER)
- EMBARRASS PUBLIC SCHOOL BLDG (HWY 21 in EMBARRASS, MN)
(Resource Conservation and Recovery Act (tracking hazardous waste))
Organizations: ST LOUIS COUNTY (CONTACT/OWNER)
- B AND S RESEARCH INC (4345 HWY 21 in EMBARRASS, MN)
TRANSPORTER (Resource Conservation and Recovery Act (tracking hazardous waste))
Organizations: LASHMETT BILL (CONTACT/OWNER)
Median worth of mobile homes: $37,966
Housing units lacking complete plumbing facilities: 11%
Housing units lacking complete kitchen facilities: 9%
Most commonly used house heating fuel: |
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- Fuel oil, kerosene, etc. (48%)
- Bottled, tank, or LP gas (28%)
- Wood (19%)
- Electricity (5%)
- Other fuel (1%)
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Place of birth for U.S.-born residents:
- This state: 1194
- Northeast: 16
- Midwest: 180
- South: 22
- West: 27
77% of the 55732 zip code residents lived in the same house 5 years ago.
Out of people who lived in different houses, 71% lived in this county.
Out of people who lived in different counties, 64% lived in Minnesota.
Population in 1990: 1,143. Population change in the 1990s: +343 (+30.0%).
Year Householders Moved Into Unit:
Private vs. public school enrollment:
Students in private schools in grades 1 to 8 (elementary and middle school): 10
| Here: | 6.7% | | Minnesota: | 11.7% |
Students in private schools in grades 9 to 12 (high school): 4
| Here: | 4.6% | | Minnesota: | 6.8% |
Students in private undergraduate colleges: 3
| Here: | 6.0% | | Minnesota: | 24.6% |
School Enrollment by Level of School
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Top industries in this zip code by the number of employees in 2005:
- Health Care and Social Assistance: Vocational Rehabilitation Services (5-9 employees: 1 establishment)
- Construction: Site Preparation Contractors (1-4: 2)
- Other Services (except Public Administration): Automotive Body, Paint, and Interior Repair and Maintenance (1-4: 2)
- Finance and Insurance: Credit Unions (1-4: 1)
- Construction: Finish Carpentry Contractors (1-4: 1)
Age and Sex of Sensory-Disabled Residents (Noninstitutionalized)
Age and Sex of Physically-Disabled Residents (Noninstitutionalized)
Age and Sex of Mentally-Disabled Residents (Noninstitutionalized)
Age and Sex of Self-Care Disabled Residents (Noninstitutionalized)
Age and Sex of Go-Outside-Home Disabled Residents (Noninstitutionalized)
Age and Sex of Residents with Employment Disability (Noninst.)
3 people in homes for the mentally retarded
Fatal accident statistics in 2006
- Fatal accident count: 1
- Vehicles involved in fatal accidents: 1
- Fatal accidents caused by drunken drivers: 0
- Fatalities: 2
- Persons involved in fatal accidents: 2
- Pedestrians involved in fatal accidents: 0
Home Mortgage Disclosure Act Aggregated Statistics For Year 2007 (Based on 8 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 10 | $81,305 | 68 | $97,508 | 117 | $87,810 | 22 | $38,013 | 19 | $84,354 | 4 | $71,220 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 5 | $129,358 | 27 | $76,286 | 4 | $28,153 | 1 | $139,670 | 2 | $61,885 |
| APPLICATIONS DENIED | 0 | $0 | 15 | $116,797 | 57 | $77,627 | 13 | $30,502 | 5 | $98,162 | 1 | $68,410 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 2 | $134,460 | 37 | $96,910 | 7 | $60,256 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 2 | $85,820 | 12 | $103,301 | 1 | $64,750 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2006 (Based on 8 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 11 | $75,515 | 64 | $94,065 | 112 | $85,290 | 24 | $40,948 | 17 | $102,643 | 4 | $102,018 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 8 | $83,309 | 27 | $83,446 | 8 | $34,353 | 0 | $0 | 1 | $51,510 |
| APPLICATIONS DENIED | 2 | $88,500 | 14 | $130,835 | 74 | $87,101 | 25 | $33,060 | 5 | $188,306 | 3 | $24,563 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 10 | $73,277 | 35 | $112,961 | 3 | $70,683 | 4 | $161,083 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $72,030 | 17 | $142,979 | 0 | $0 | 2 | $124,945 | 0 | $0 |
Aggregated Statistics For Year 2005 (Based on 8 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 6 | $94,750 | 74 | $85,857 | 153 | $86,848 | 25 | $55,140 | 23 | $105,467 | 8 | $108,571 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $58,680 | 13 | $115,203 | 38 | $91,886 | 6 | $21,460 | 0 | $0 | 4 | $120,305 |
| APPLICATIONS DENIED | 0 | $0 | 20 | $78,116 | 105 | $79,275 | 23 | $44,094 | 6 | $116,182 | 8 | $64,249 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 15 | $119,845 | 47 | $104,975 | 6 | $208,277 | 1 | $397,590 | 2 | $34,130 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $96,300 | 12 | $105,485 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 8 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 9 | $59,191 | 73 | $78,538 | 166 | $73,720 | 39 | $42,237 | 26 | $70,517 | 4 | $84,348 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $66,810 | 9 | $110,508 | 29 | $74,457 | 8 | $45,469 | 4 | $94,985 | 0 | $0 |
| APPLICATIONS DENIED | 4 | $47,303 | 15 | $79,074 | 75 | $73,227 | 14 | $30,089 | 4 | $28,750 | 7 | $71,939 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 4 | $82,448 | 50 | $90,665 | 4 | $37,278 | 2 | $33,880 | 1 | $128,450 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 3 | $156,977 | 6 | $93,603 | 1 | $54,870 | 2 | $102,700 | 0 | $0 |
Aggregated Statistics For Year 2003 (Based on 8 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 11 | $57,577 | 70 | $66,799 | 228 | $65,727 | 44 | $36,466 | 15 | $53,086 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $105,630 | 4 | $129,595 | 34 | $63,754 | 5 | $45,414 | 4 | $37,830 |
| APPLICATIONS DENIED | 1 | $85,130 | 13 | $43,149 | 73 | $58,710 | 11 | $35,397 | 8 | $52,119 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 1 | $114,750 | 48 | $71,818 | 4 | $22,535 | 2 | $72,155 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 2 | $83,645 | 9 | $67,416 | 0 | $0 | 1 | $109,740 |
Detailed HMDA statistics for the following Tracts:
0138.00
, 0139.00, 0140.00, 0152.00
Private Mortgage Insurance Companies Aggregated Statistics For Year 2007 (Based on 8 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 29 | $109,694 | 11 | $111,976 | 1 | $77,920 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 3 | $158,317 | 1 | $134,450 | 1 | $136,580 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 1 | $92,170 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2006 (Based on 8 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 23 | $81,207 | 11 | $96,690 | 2 | $44,890 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $89,360 | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 1 | $96,570 | 4 | $140,033 | 1 | $203,800 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2005 (Based on 8 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) | D) Loans On Manufactured Home Dwelling (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 25 | $79,668 | 12 | $130,732 | 1 | $59,260 | 0 | $0 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $79,270 | 5 | $161,760 | 0 | $0 | 1 | $156,850 |
| APPLICATIONS DENIED | 2 | $59,140 | 2 | $162,220 | 1 | $85,360 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 1 | $211,270 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 8 partial tracts)
|
| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 21 | $79,668 | 12 | $90,859 | 2 | $130,485 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 2 | $69,640 | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 1 | $51,580 | 1 | $182,750 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2003 (Based on 8 partial tracts)
|
| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 25 | $72,256 | 20 | $93,416 | 3 | $30,637 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 3 | $104,843 | 2 | $136,510 | 1 | $62,950 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 1 | $45,880 | 1 | $63,650 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Detailed PMIC statistics for the following Tracts:
0138.00
, 0139.00, 0140.00, 0152.00
Conventional Home Purchase Loans
Conventional Home Purchase Loans - Value
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