55008Cambridge, Minnesota

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 55008.

61out of 100
Area Score
Top 47% of 5,298 profiles measured

How we calculate this

How this area ranks
Opportunity5543rd of 6,210 ZIP areas measured32
SchoolsTop 39% of 4,422 ZIP areas measured60
GrowthTop 4% of 5,428 ZIP areas measured80
Housing affordabilityTop 25% of 6,685 ZIP areas measured93
Climate6693rd of 6,789 ZIP areas measured51
Physical resilienceTop 45% of 6,709 ZIP areas measured62
Access5948th of 6,791 ZIP areas measured71
Economic stabilityTop 37% of 6,742 ZIP areas measured66
The quick read

Employment conditions sit below most comparable published ZIP profiles: unemployment is 5.5% and the Opportunity signal places 55008 in the bottom 11%.

In the public schools here, 52% of students met the state standard in mathematics, with 18.3 students for every teacher.

Development activity is both elevated and accelerating — 241 housing units permitted over the past twelve months, up 392% on the prior year.

At a glance

Population
16,729
2024 ACS 5-Year
Median household income
$84,513
Top 32% nationally
Density
167/sq mi
100.4 sq mi of land
Median age
40.1
2024 ACS 5-Year
City
Cambridge
Minnesota
Metro area
Minneapolis-St. Paul-Bloomington, MN-WI
Nearest major airport
MSP
48 mi · Minneapolis-St Paul Intl/Wold-Chamberlain
Median home value
$290,700
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 5.5% is lower than 14% of the 6,544 measured US ZIP areas.

Employment fell 2.0% over the past year, to 22,067 employed residents.

MetricValueCompared nationallySource period
Median household income ±$4,440$84,513Top 32%of 31,2952024 ACS 5-Year
Per capita income ±$1,959$39,930Top 39%of 32,8222024 ACS 5-Year
Poverty rate8.9%Bottom 41%of 32,9702024 ACS 5-Year
Average commute33.2 minTop 24%of 32,8872024 ACS 5-Year
Bachelor's degree or higher21.4%Bottom 45%of 33,1932024 ACS 5-Year
Employment22,067Bottom 22%of 6,544June 2026
Employment change (3 years)-1.4%Bottom 28%of 6,542June 2026
Employment change (year over year)-2.0%Bottom 17%of 6,544June 2026
Labor force23,352Bottom 22%of 6,544June 2026
Labor force participation64.1%Top 36%of 33,2522024 ACS 5-Year
Mean annual wage$74,580Top 25%of 6,0722025 OEWS
Median annual wage$59,320Top 19%of 6,0722025 OEWS
Unemployment change (year over year)0.8%Top 15%of 6,544June 2026
Unemployment rate5.5%Top 14%of 6,544June 2026
Median household income, successive ACS releases
202120222023202485k76k
Each point is a separate five-year estimate, most recently $84,513 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.
Largest occupations — Minneapolis-St. Paul-Bloomington, MN-WI
OccupationPeople employedMedian annual wage
Home Health and Personal Care Aides93,560$38,860
Retail Salespersons51,180$36,670
General and Operations Managers44,890$103,570
Registered Nurses43,600$103,040
Customer Service Representatives38,630$49,480
Fast Food and Counter Workers37,920$33,040

Occupational employment and wages are published for metropolitan areas rather than for individual cities or ZIP areas, so these describe the wider labor market this location sits in. 2025 OEWS, U.S. Bureau of Labor Statistics.

The Bureau of Labor Statistics does not publish labor-force data for ZIP areas. This is the figure for Cambridge, MN, the city containing this ZIP code.

52% of students met the state standard in mathematics and 59% in reading, across the schools here that reported results.

There are 18.3 students for every full-time teacher, more than in most measured places.

Public schools
8
2024-25 school year
Students per teacher
18.3
across all schools here
Math proficiency
51.5%
Top 35% in Minnesota
Reading proficiency
59.0%
Top 26% in Minnesota
SchoolDistrictStudentsPer teacherMathReading
Cambridge-Isanti High SchoolCambridge-Isanti Public School Dist1,58221.4
Cambridge Middle SchoolCambridge-Isanti Public School Dist60717.342%62%
Cambridge Intermediate SchoolCambridge-Isanti Public School Dist53616.862%56%
Cambridge Primary SchoolCambridge-Isanti Public School Dist49815.1
Cambridge Early Childhood SpecialEdCambridge-Isanti Public School Dist7412.3
C-I Education CenterCambridge-Isanti Public School Dist3
Rum River East Education ProgramRUM RIVER SPECIAL EDUCATION COOP0
RUM RIVER SOUTHRUM RIVER SPECIAL EDUCATION COOP0

34.1% of students here are eligible for free or reduced-price lunch. That describes the circumstances families arrive with rather than how the schools perform, which is why AreaProfile shows it and does not score it.

Public schools only, from the NCES Common Core of Data. Schools are placed by ZIP code, so this is which schools are in this place rather than which one a particular address is zoned for — district boundaries do not follow municipal ones, and enrollment zones change. Fully virtual schools are excluded: they enroll students from across the state while reporting one administrative address, and counting them here would describe a school population this place does not have. The assessment covers grades 3 through 8, so a high school shows no proficiency figure — a dash in those columns means the test was not given at that school, not that it performed badly. Proficiency is measured against Minnesota’s own standard, so it compares cleanly within the state and only broadly against other states; AreaProfile therefore ranks it within state. The directory is current, while the proficiency figures are from the last school year with national coverage before the pandemic interrupted testing.

Housing & affordability

How it’s calculated →

Median rent of $1,325 takes 19% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 3.4 times median household income here, above the historic benchmark of about three times income.

Rent as a share of income
18.8%
Below the 30% cost-burdened threshold
Home price to income
3.4×
median home value ÷ median income
Median gross rent
$1,325
2024 ACS 5-Year
Median home value
$290,700
2024 ACS 5-Year
MetricValueCompared nationallySource period
Home price to income3.44Top 41%of 30,4042024 ACS 5-Year
Homeownership rate75.7%Bottom 42%of 32,9102024 ACS 5-Year
Housing units ±2887,163Top 22%of 33,7722024 ACS 5-Year
Median gross rent ±$79$1,325Top 29%of 26,6182024 ACS 5-Year
Median home value ±$10,402$290,700Top 34%of 30,9412024 ACS 5-Year
Rent as a share of income18.8%Top 42%of 26,4702024 ACS 5-Year
Vacancy rate4.0%Bottom 17%of 33,0282024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →
Development Momentum
80/ 100
Top 4% of 5,428 published city profiles

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

75% of recently permitted units are in buildings of five or more homes, so new supply is concentrated in apartments and condominiums rather than detached houses.

At 23.4 permitted units per 1,000 residents, building activity is above the median for measured US ZIP areas.

Units permitted
241
12 months ending July 2026
Per 1,000 residents
23.4
Top 2% nationally
Year over year
+392%
vs the prior twelve months
Multifamily share
74.7%
units in 5+ unit buildings

The Building Permits Survey is not published for ZIP areas. This is the figure for Cambridge, MN, the city containing this ZIP code.

Weather & climate

5 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 82°F and January a low of 4°F.

Normal annual precipitation is 29.7 inches, including 44.1 inches of snow.

-10°10°30°50°70°90°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station CAMBRIDGE, 2.2 miles from this location.
Precipitation
JFMAMJJASOND4.2"
Normal monthly precipitation, in inches.
MetricValueSource period
Annual precipitation29.7"1991-2020 Normals
Annual snowfall44.1"1991-2020 Normals
Average January low4°F1991-2020 Normals
Average July high82°F1991-2020 Normals
Comfortable months51991-2020 Normals
Seasonal temperature swing59°F1991-2020 Normals

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today.

Physical risk

62 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are inland flooding, tornado and strong wind.

Overall hazard risk is lower than 89% of measured US ZIP areas.

WildfireModerate
HailModerate
TornadoModerate
Strong windHigh
Inland floodingModerate

Low or minimal exposure: lightning, cold wave, heat wave, landslide, drought, ice storm, winter weather, earthquake.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. ZIP values are the land-area-weighted mean of the counties the ZIP Code Tabulation Area intersects. Expected annual loss is not allocated below county level. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

These are deaths, not offences. AreaProfile does not publish reported crime, and this is not a substitute for it — it says nothing about burglary, theft or assault.

Isanti County records 0.0 homicide deaths per 100,000 residents a year, lower than most counties measured. The CDC does not publish this below county level.

Firearm deaths of all intents run at 10.8 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 11.8 per 100,000 residents in Isanti County.

Homicide
0.0
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
10.8
per 100,000 residents · under 10 deaths
Drug overdose
11.8
per 100,000 residents · under 10 deaths
Suicide
17.5
per 100,000 residents · under 10 deaths

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides. The two columns overlap and should not be added.

Age-adjusted rates from provisional death certificate records, published by the CDC for Isanti County as a whole — these rates are not published below county level. A county can hold both a dense city centre and a suburb whose experience of it is nothing alike, so this describes the county around 55008 rather than 55008 itself. That is why AreaProfile shows these figures and does not put them in the Area Score. Where fewer than ten deaths were recorded the count is suppressed at source, and a rate built on single figures moves sharply between releases. What this measure has that reported crime does not: a death certificate is filed whether or not the local police agency submitted a return that year, so the figures stay comparable between places and over time.

What this profile does not cover

Three things people look for are missing from every AreaProfile page, and each is missing for a reason rather than by oversight. The Area Score is calculated without them and the weighting is documented on the methodology page.

Reported crime
Offences reported to police are published by department rather than by town, and only where a department reported every month of the year. No municipal department reports for this place — many smaller communities are policed by the county — so there is no figure to show. A partial year is never scaled up to look complete, and arrest counts or news volume are never substituted for it.
Taxes and full cost of living
No public source publishes either with national coverage and a method open enough to check. Housing affordability above is computed from published rent, price and income, and excludes transport, groceries, healthcare, insurance and taxes — commuting cost in particular tends to offset suburban housing savings. Nothing here is individualised tax advice.
Anything about a specific address
Every figure describes an area, not a street or a house. School attendance zones, insurance pricing and the character of a neighbourhood all vary within the places measured here.

Access

2 major airports lie within 100 miles, the nearest 48 miles away.

AirportCodeDistanceLongest runway
Minneapolis-St Paul Intl/Wold-ChamberlainMSP48 mi11,006 ft
Chippewa Valley RgnlEAU100 mi8,101 ft
Duluth IntlDLH102 mi10,591 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Area Score
61
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Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
JobsU.S. Bureau of Labor Statistics
Occupational Employment and Wage Statistics
2025 OEWSAnnual (spring release)
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)
safetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
April, 2025 to March, 2026Quarterly, with a rolling twelve-month window alongside complete calendar years
schoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2019-20 school year; 2024-25 school yearDirectory annually; assessment results as EDFacts releases them

Profile recalculated August 30, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.

55008 vs Cambridge

How this ZIP area compares with Cambridge as a whole. Both figures come from the same ACS release, so the comparison is like for like.

55008
Cambridge
Median household income
$84,513
vs
$69,154
Per capita income
$39,930
vs
$35,047
Population density
167/sq mi
vs
1,378/sq mi
Median home value
$290,700
vs
$251,600
Median gross rent
$1,325
vs
$1,302
Homeownership rate
75.7%
vs
65.8%
Bachelor's degree or higher
21.4%
vs
18.8%
Poverty rate
8.9%
vs
10.5%
Median age
40.1
vs
37.6

Some demographic statistics use Census ZIP Code Tabulation Areas, which approximate but do not exactly match USPS ZIP delivery geography. See the methodology for how AreaProfile maps between them.