55720Cloquet, Minnesota

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 55720.

57out of 100
Area Score
Bottom 37% of 5,298 profiles measured

How we calculate this

How this area ranks
Opportunity5925th of 6,210 ZIP areas measured25
SchoolsTop 39% of 4,422 ZIP areas measured60
Growth4356th of 5,428 ZIP areas measured32
Housing affordabilityTop 27% of 6,685 ZIP areas measured92
Climate6757th of 6,789 ZIP areas measured47
Physical resilienceTop 14% of 6,709 ZIP areas measured87
Access4747th of 6,791 ZIP areas measured86
Economic stability4240th of 6,742 ZIP areas measured53
The quick read

Employment conditions sit below most comparable published ZIP profiles: unemployment is 5.2% and the Opportunity signal places 55720 in the bottom 5%.

Natural-hazard exposure is lower than in most comparable published ZIP profiles, placing 55720 in the top 14% for physical resilience.

A major airport is 17 miles away, giving the area unusually direct access to the national air network.

At a glance

Population
17,448
2024 ACS 5-Year
Median household income
$64,167
Bottom 37% nationally
Density
112/sq mi
156.4 sq mi of land
Median age
38.2
2024 ACS 5-Year
City
Cloquet
Minnesota
Metro area
Duluth, MN-WI
Nearest major airport
DLH
17 mi · Duluth Intl
Median home value
$223,200
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 5.2% is lower than 22% of the 6,544 measured US ZIP areas.

Employment fell 3.4% over the past year, to 16,228 employed residents.

MetricValueCompared nationallySource period
Median household income ±$3,298$64,167Bottom 37%of 31,2952024 ACS 5-Year
Per capita income ±$3,324$37,770Top 46%of 32,8222024 ACS 5-Year
Poverty rate14.1%Top 35%of 32,9702024 ACS 5-Year
Average commute19.9 minBottom 13%of 32,8872024 ACS 5-Year
Bachelor's degree or higher25.2%Top 45%of 33,1932024 ACS 5-Year
Employment16,228Bottom 13%of 6,544June 2026
Employment change (3 years)-3.9%Bottom 7%of 6,542June 2026
Employment change (year over year)-3.4%Bottom 5%of 6,544June 2026
Labor force17,114Bottom 13%of 6,544June 2026
Labor force participation63.9%Top 37%of 33,2522024 ACS 5-Year
Mean annual wage$61,560Bottom 26%of 6,0722025 OEWS
Median annual wage$50,000Bottom 47%of 6,0722025 OEWS
Unemployment change (year over year)0.4%Top 34%of 6,544June 2026
Unemployment rate5.2%Top 22%of 6,544June 2026
Median household income, successive ACS releases
202120222023202466k58k
Each point is a separate five-year estimate, most recently $64,167 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 — Duluth, MN-WI
OccupationPeople employedMedian annual wage
Home Health and Personal Care Aides5,660$36,390
Registered Nurses4,410$96,940
Retail Salespersons3,490$34,650
Cashiers3,290$33,020
Fast Food and Counter Workers2,910$29,260
General and Operations Managers2,690$85,930

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 Cloquet, MN, the city containing this ZIP code.

47% of students met the state standard in mathematics and 58% in reading, across the schools here that reported results.

There are 15.5 students for every full-time teacher, fewer than in most measured places.

Public schools
9
2024-25 school year
Students per teacher
15.5
across all schools here
Math proficiency
47.5%
Top 46% in Minnesota
Reading proficiency
58.4%
Top 28% in Minnesota
SchoolDistrictStudentsPer teacherMathReading
CLOQUET SENIORCLOQUET PUBLIC SCHOOL DISTRICT76122.4
CLOQUET MIDDLECLOQUET PUBLIC SCHOOL DISTRICT75217.143%65%
WASHINGTON ELEMENTARYCLOQUET PUBLIC SCHOOL DISTRICT49513.447%50%
CHURCHILL ELEMENTARYCLOQUET PUBLIC SCHOOL DISTRICT35110.059%57%
CLOQUET EARLY CHILDHOOD EDUCATIONCLOQUET PUBLIC SCHOOL DISTRICT83
CLOQUET AREA ALT. ED. PROGRAMSCLOQUET PUBLIC SCHOOL DISTRICT7412.3
Northern Lights AcademyNorthern Lights Academy Cooperative147.0
CAAEP EXTENDED DAY PROGRAMCLOQUET PUBLIC SCHOOL DISTRICT7
SHARED TIMECLOQUET PUBLIC SCHOOL DISTRICT6

42.6% 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 $1,023 takes 19% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 3.5 times median household income here, above the historic benchmark of about three times income.

Rent as a share of income
19.1%
Below the 30% cost-burdened threshold
Home price to income
3.5×
median home value ÷ median income
Median gross rent
$1,023
2024 ACS 5-Year
Median home value
$223,200
2024 ACS 5-Year
MetricValueCompared nationallySource period
Home price to income3.48Top 39%of 30,4042024 ACS 5-Year
Homeownership rate71.8%Bottom 33%of 32,9102024 ACS 5-Year
Housing units ±2667,692Top 21%of 33,7722024 ACS 5-Year
Median gross rent ±$89$1,023Top 49%of 26,6182024 ACS 5-Year
Median home value ±$8,201$223,200Top 49%of 30,9412024 ACS 5-Year
Rent as a share of income19.1%Top 40%of 26,4702024 ACS 5-Year
Vacancy rate7.0%Bottom 33%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
32/ 100
Ranks 4356 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.

New construction is predominantly single-family: only 0% of permitted units are in buildings of five or more homes.

At 0.7 permitted units per 1,000 residents, building activity is below the median for measured US ZIP areas.

Units permitted
9
12 months ending July 2026
Per 1,000 residents
0.7
Bottom 20% nationally
Year over year
+50%
vs the prior twelve months
Multifamily share
0.0%
units in 5+ unit buildings

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

Weather & climate

4 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 78°F and January a low of 2°F.

Normal annual precipitation is 31.2 inches, including 90.2 inches of snow.

Air quality measures a median index of 34, in the Good band, and one day a year passes 100, the threshold at which the air is unhealthy for sensitive groups.

-10°10°30°50°70°90°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station DULUTH, 16.4 miles from this location.
Precipitation
JFMAMJJASOND4.4"
Normal monthly precipitation, in inches.
MetricValueSource period
90th percentile air quality index52.02024 calendar year
Annual precipitation31.2"1991-2020 Normals
Annual snowfall90.2"1991-2020 Normals
Average January low2°F1991-2020 Normals
Average July high78°F1991-2020 Normals
Comfortable months41991-2020 Normals
Days above AQI 10012024 calendar year
Median air quality index34.02024 calendar year
Seasonal temperature swing56°F1991-2020 Normals
Air quality
Median air quality index
34
Good on a typical day
Worst tenth of days
52
90th percentile index
Days above 100
1
unhealthy for sensitive groups

A comfortable median and a bad tail are different problems. Wildfire smoke and summer ozone show up in the worst tenth of days, not in the middle of the year.

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. Air quality is measured rather than modelled, by EPA monitors, and published by county only where a monitor sits — roughly half the counties AreaProfile publishes have one, and the rest show nothing rather than an estimate. Air masses are regional, so a county reading describes the air over a place reasonably well, but it is still the county reading.

Physical risk

87 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are inland flooding and lightning.

LightningModerate
Inland floodingModerate

Low or minimal exposure: cold wave, heat wave, winter weather, hail, wildfire, ice storm, tornado, strong wind, drought, landslide, coastal flooding, 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.

Carlton 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 12.1 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 12.7 per 100,000 residents in Carlton County.

Homicide
0.0
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
12.1
per 100,000 residents · under 10 deaths
Drug overdose
12.7
per 100,000 residents · under 10 deaths
Suicide
19.6
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 Carlton 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 55720 rather than 55720 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

1 major airport lies within 100 miles, the nearest 17 miles away.

AirportCodeDistanceLongest runway
Duluth IntlDLH17 mi10,591 ft
Minneapolis-St Paul Intl/Wold-ChamberlainMSP133 mi11,006 ft
Chippewa Valley RgnlEAU140 mi8,101 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
57
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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
ClimateU.S. Environmental Protection Agency, Air Quality System
Daily Air Quality Index by county
2024 calendar yearAnnually, once a calendar year is complete

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.

55720 vs Cloquet

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

55720
Cloquet
Median household income
$64,167
vs
$61,367
Per capita income
$37,770
vs
$38,223
Population density
112/sq mi
vs
356/sq mi
Median home value
$223,200
vs
$212,700
Median gross rent
$1,023
vs
$1,024
Homeownership rate
71.8%
vs
65.9%
Bachelor's degree or higher
25.2%
vs
25.8%
Poverty rate
14.1%
vs
15.9%
Median age
38.2
vs
37.4

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.