Best Places55012, MN Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 55012, scored on 40 measures of daily life and ranked to fit what matters to you. Local pay runs high here, and housing takes the biggest bite out of it. To work out which city fits you best, start with the best places to live tool.
55012 ranks 5,190th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on low crime by a wide margin, and a weak job market ranks lowest.
The best neighborhoods in 55012
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
55012's strengths and weaknesses
Where 55012 ranks high
- Crime safetyBetter than 96% of zip codes
- State infrastructureBetter than 91% of zip codes
- Voter turnoutBetter than 91% of zip codes
- Healthcare accessBetter than 89% of zip codes
- Cost of living vs incomeBetter than 87% of zip codes
Where 55012 ranks low
- Local economyBetter than only 16% of zip codes
- Short commute33.1 minutes each way, better than only 16% of zip codes
- Low income/sales/gas taxBetter than only 22% of zip codes
- Housing crash safetyBetter than only 26% of zip codes
- Cheap childcare$1,041 a month, better than only 30% of zip codes
What it costs to buy a home in 55012
A household needs to earn about $102,000 a year to comfortably buy the median 55012 home, at 20% down and today's 30-year rate. That is below the area's own median income of $109,873, so a typical household can afford the median home outright.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses 55012's effective rate of 0.95%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices and rents, renting stays cheaper than buying across the first 10 years here, so the case for buying rests on staying much longer or on prices rising faster than assumed. The chart tracks the running cost of each.
Who lives in 55012
55012 runs older than the country.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 55012.
Who works in 55012, and how
Work in 55012 centers on manufacturing and retail trade. Unemployment is close to the national rate, and the job base is shrinking.
Largest industries
How people get to work
- Drive or carpool 84%
- Work from home 13%
- Transit, walk, or bike 3%
Life in 55012
The map and measures below break down dining, culture, and green space by neighborhood across 55012.
What the weather is like in 55012, month by month
55012 sees roughly 85 pleasant days a year. July highs average about 84 degrees. January highs sit near 25, with lows near 10. The comfortable stretch runs May through September.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 25° | 17° | 10° |
| April | 56° | 44° | 34° |
| July | 84° | 72° | 61° |
| October | 59° | 48° | 40° |
Flying in and out of 55012
Minneapolis-St Paul International/Wold-Chamberlain sits about 43 miles away. It is a large hub and boarded 17.5 million passengers in 2025, with 195 nonstop destinations.
The best schools in and around 55012
Schools across 55012 average a B, better than 70% of zip codes.
Top elementary schools
- Lakeside El.B+ · 55% proficient
- Sunrise River Elementary SchoolB · 50% proficient
- Taylors Falls ElementaryB · 45% proficient
Top middle schools
- Chisago Lakes MiddleB− · 41% proficient
- North Branch Area Middle SchoolB− · 40% proficient
Top high schools
- Chisago Lakes Senior HighB+ · 58% proficient
- North Branch Area High SchoolB− · 43% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 55012 school and its grade on SchoolGrade.
55012 measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare 55012 against the other 33,109 zip codes.
Common questions about living in 55012
Is 55012 a good place to live?
Using BestNeighborhood's default rankings, 55012 ranks 5,190th of 33,110 zip codes. It scores highest on low crime, state infrastructure, and civic engagement, and lowest on a weak job market and long commutes. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 55012 expensive to live in?
The median home is worth $381,569. The overall cost of living runs about 4% below the national average. Set against a $109,873 median income, cost of living beats 87% of zip codes.
Is 55012 safe?
Yes, 55012 is safer than 96% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $154 per resident a year.
Compare 55012 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 55012. Scores are absolute rather than ranked, which means a 60 in 55012 represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
55012 detail on BestNeighborhood maps:
- Walk Grade for 55012: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 55012: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 55012: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 55012: carrier by carrier coverage behind the cell score.
55012 detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.