HousingHandbookReference data

U.S. ZIP Code · MN55804

St. Louis County · Duluth, MN-WI

Typical home value

$353,913[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+7.5%
5-year / yr
+6.4%
10-year / yr
+5.9%

Relative price

vs U.S.
+24.6%
vs metro
+50.0%
vs state
+18.9%
ZIP 55804 location in MN
Location of ZIP 55804 in MN

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 55804 is worth $353,913 — 50.0% above the Duluth, MN-WI median. Over the past year, values have risen 7.5%. The effective property tax rate is 1.2%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
[2]
Gross yield
[2]
Cap rate
[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
1.2%[3]
Typical annual tax
$4,100[3]

#Climate risk

FEMA National Risk Index ratings for St. Louis County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Relatively Moderate[4]
Riverine flood
Relatively Moderate
Coastal flood
Very Low
Wildfire
Relatively Low
Drought
Relatively Low
Heat wave
Relatively Moderate
Hurricane
Not Applicable
Tornado
Relatively Low
Earthquake
Very Low
Winter weather
Very High

#Who lives here

Population
15,922[3]
Median household income
$111,228[3]

#Migration

Household moves in and out of St. Louis County over a year, from IRS tax-return data.

Net migration
+56[5]
Moved in
4,402
Moved out
4,346

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools
6
Elementary
3
Middle
0
High
1
  • East High School

    High · Grades 9–12 · DULUTH PUBLIC SCHOOL DISTRICT

    1,486 students

  • LESTER PARK ELEMENTARY

    Elementary · Grades K–5 · DULUTH PUBLIC SCHOOL DISTRICT

    526 students

  • NORTH SHORE COMMUNITY SCHOOL

    Elementary · Grades PK–6 · NORTH SHORE COMMUNITY SCHOOL

    353 students

  • LAKEWOOD ELEMENTARY

    Elementary · Grades K–5 · DULUTH PUBLIC SCHOOL DISTRICT

    246 students

  • Rockridge Academy

    Other · Grades K–12 · DULUTH PUBLIC SCHOOL DISTRICT

    45 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield
Net yield (after ~40% expenses)
Annual rent

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$1,790
Loan principal$283,131
Down payment$70,783
Total interest paid$361,118

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio
Monthly cost to own$2,427
Monthly rent

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
59th percentile[1]
Rental yield
[2]
Property tax
95th percentile[3]

Frequently asked

How much is a home worth in ZIP code 55804?
The typical home in 55804 is worth $353,913, based on the Zillow Home Value Index.
Are home values rising in 55804?
Home values in 55804 are up 7.5% over the past year, and up 6.4% a year over five years.
What is the property tax rate in 55804?
The effective property tax rate in 55804 is 1.2% — roughly $4,100 a year on a typical home.
Who lives in 55804?
ZIP code 55804 has a population of 15,922 and a median household income of $111,228.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

  • Hermantown, MN

    Typical home
    $355,987
    Gross yield
    6.5%
  • Lake Nebagamon, WI

    Typical home
    $351,462
    Gross yield
  • Rice Lake, MN

    Typical home
    $350,334
    Gross yield
  • Duluth, MN

    Typical home
    $349,869
    Gross yield
    5.7%
  • Tower, MN

    Typical home
    $359,003
    Gross yield
  • MN

    Typical home
    $340,247
    Gross yield

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