Best Places56540, MN Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 56540, scored on 40 measures of daily life and ranked to fit what matters to you. This page is for people who live here or already know they want to. To work out which city fits you best, start with the best places to live tool.
56540 ranks 8,131st of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on fast internet by a wide margin, and distance from a big city ranks lowest.
The best neighborhoods in 56540
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.
56540's strengths and weaknesses
Where 56540 ranks high
- Internet speedBetter than 93% of zip codes
- State infrastructureBetter than 91% of zip codes
- Nice weatherabout 147 pleasant days a year, better than 88% of zip codes
- Heat safetyBetter than 88% of zip codes
- Voter turnoutBetter than 86% of zip codes
Where 56540 ranks low
- Big-city accessBetter than only 14% of zip codes
- Low income/sales/gas taxBetter than only 22% of zip codes
- Low vacancyBetter than only 24% of zip codes
- Tree shadeBetter than only 28% of zip codes
- Disaster safetyBetter than only 28% of zip codes
What it costs to buy a home in 56540
A household needs to earn about $52,000 a year to comfortably buy the median 56540 home, at 20% down and today's 30-year rate. That is below the area's own median income of $82,386, 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 56540's effective rate of 0.86%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices, buying tends to cost more than renting for about the first 9 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in 56540
56540 runs older than the country, and households here run smaller than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 56540.
Who works in 56540, and how
Work in 56540 centers on health care & social and agriculture & forestry. Unemployment is close to the national rate, and employment has held roughly flat.
Largest industries
How people get to work
- Drive or carpool 82%
- Work from home 11%
- Transit, walk, or bike 8%
Life in 56540
The map and measures below break down dining, culture, and green space by neighborhood across 56540.
What the weather is like in 56540, month by month
56540 sees roughly 147 pleasant days a year. July highs average about 79 degrees. January highs sit near 17, with lows near 0. The comfortable stretch runs May through September.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 17° | 8° | 0° |
| April | 49° | 38° | 29° |
| July | 79° | 67° | 57° |
| October | 53° | 42° | 34° |
Flying in and out of 56540
The nearest airport, Thief River Falls Regional, is about 37 miles away and is a small airport. The nearest major hub is Minneapolis-St Paul International/Wold-Chamberlain, about 234 miles away.
The best schools in and around 56540
Schools across 56540 average a B, better than 68% of zip codes.
Top elementary schools
- Fertile-beltrami ElementaryA− · 58% proficient
- Norman County East ElementaryB− · 43% proficient
Top high schools
- Fertile-beltrami SecondaryB · 47% proficient
- Norman County East SecondaryC · 30% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 56540 school and its grade on SchoolGrade.
56540 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 56540 against the other 33,109 zip codes.
Common questions about living in 56540
Is 56540 a good place to live?
Using BestNeighborhood's default rankings, 56540 ranks 8,131st of 33,110 zip codes. It scores highest on fast internet, state infrastructure, and the weather, and lowest on distance from a big city and taxes. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 56540 expensive to live in?
The median home is worth $196,831. The overall cost of living runs about 14% below the national average. Set against a $82,386 median income, cost of living beats 71% of zip codes.
Is 56540 safe?
Yes, 56540 is safer than 68% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $271 per resident a year.
Compare 56540 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 56540. Scores are absolute rather than ranked, which means a 60 in 56540 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.
56540 detail on BestNeighborhood maps:
- Walk Grade for 56540: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 56540: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 56540: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 56540: carrier by carrier coverage behind the cell score.
56540 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.