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Cost of Living in
Minnesota

Living cost is 4.22% lower than avg
Families spend upto $8,500/mo on avg
Homeowners spend $7,996/mo on avg
Renters spend $4,693/mo on avg

Cost of Living in
Minnesota

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A Breakdown of the Cost of Living in Minnesota

U.S. Avg.

Minnesota

Difference Diff

Home Price

$532,491

$416,913.4

22%

Apartment Rent (per month)

$1,367

$1,535.2

12%

U.S. Avg.

Minnesota

Difference Diff

Phone (per month)

$219.4

$190.3

13%

Total Energy (per month)

$200.23

$211.63

U.S. Avg.

Minnesota

Difference Diff

Grocery Staples

Corn Flakes (per box)

$6.79

$5.67

17%

Frozen Corn (per bag)

$2.41

$2.23

Frozen Meal (per package)

$4.85

$3.95

19%

Cooking Oil (per bottle)

$6.16

$9.73

58%

Detergent (per bottle)

$19.51

$20.7

Facial Tissues (per box)

$2.85

$2.25

21%

Sweet Peas (per can)

$1.83

$1.65

10%

Sugar (per bag)

$4.66

$5.29

13%

Bread (per loaf)

$3.87

$4.14

Frying Chicken (per lb)

$1.64

$1.56

Meat & Poultry

Chicken (per lb)

$1.71

$1.61

Steak (per lb)

$14.54

$17.37

19%

Sausage (per lb)

$5.23

$5.32

Ground Beef (per lb)

$8.61

$7.69

11%

Snacks & Beverages

Soft Drink (per bottle)

$3.45

$3.03

12%

Potato Chips (per bag)

$5.54

$4.35

22%

Coffee (per lb)

$6.55

$6.43

Fresh Orange Juice (per half gallon)

$5.22

$5.03

Fruits & Vegetables

Peaches (per can)

$4.40

$2.88

35%

Lettuce (per head)

$1.98

$1.99

Bananas (per lb)

$0.64

$0.82

28%

Potatoes (per bag)

$5.58

$5.27

Dairy & Eggs

Parmesan Cheese (per lb)

$4.69

$5.1

Margarine (per lb)

$1.30

$1.6

23%

Eggs (per dozen)

$3.98

$4.48

13%

Whole Milk (per gallon)

$4.08

$4.63

14%

Seafood

Chunk Light Tuna (per can)

$1.22

$1.29

U.S. Avg.

Minnesota

Difference Diff

Tire Balance (per tire)

$70.23

$65.12

Gasoline (per gallon)

$2.9

$3.03

U.S. Avg.

Minnesota

Difference Diff

Doctor Visit (per visit)

$116.03

$205.97

78%

Dentist Visit (per visit)

$145.11

$112.04

23%

Ibuprofen (per bottle)

$12.38

$12.04

Prescription Drug (per month)

$20.8

$18.98

Optometrist Visit (per visit)

$95.27

$138.88

46%

U.S. Avg.

Minnesota

Difference Diff

Women’s Slacks

$35.43

$40.53

14%

Boys’ Jeans

$29.47

$36.81

25%

Men’s Shirt

$39.36

$44.8

14%

Wine (per bottle)

$7.51

$11.41

52%

Beer (per 6-pack)

$11.17

$9.81

12%

Veterinary Services (per visit)

$65.33

$64.07

Tennis Balls (per pack)

$3.59

$4.05

13%

Yoga (per class)

$12

$22.96

91%

Movie (per ticket)

$11.67

$12.23

Newspaper (per copy)

$19.31

$14.32

26%

Washer Repair (per service)

$109.47

$101.84

Women Slacks

$34.88

$41.29

18%

Boy Jeans

$29.51

$37.28

26%

Man Dress Shirt

$39.05

$45.5

17%

Dry Cleaning (per item)

$13.45

$20.06

49%

Shampoo (per bottle)

$1.55

$1.72

11%

Toothpaste (per tube)

$3.64

$4.1

13%

Beauty Salon (per visit)

$47.5

$45.06

Haircut (per cut)

$27.08

$30.84

14%

Fried Chicken (per serving)

$4.37

$5.06

16%

Pizza (per pizza)

$11.99

$13.62

14%

Hamburger (per serving)

$5.28

$5.19

Welcome to Minnesota, the Land of 10,000 Lakes, where the cost of living in Minnesota is 4.22% lower than the national average. Minnesota offers an exceptional quality of life without the high price tag. The state's year-round scenic beauty is matched by top-rated schools and a robust job market. Anchored by the dynamic Twin Cities of Minneapolis and St. Paul, and home to world-class healthcare systems like the Mayo Clinic, Minnesota attracts residents seeking both opportunity and affordability.

Housing prices in Minnesota are 22% lower than the US average. The median home price in Minnesota is $416,913.40, which is significantly lower than the national median of $428,000. If you're buying a new house in Minnesota, plan to put down 15 to 20% of the home price upfront as a down payment. Monthly mortgage payments in the state also run 20% to 30% lower than major coastal markets.
Renting in Minnesota is 12.3% higher than the US average of $1,535.20. The average rent for a one-bedroom home in Minnesota is around $1,300 per month, while a two-bedroom home in Minnesota averages $2,000. Unlike more expensive metros, Minnesota offers more space and amenities for your rental dollar, with many properties including garage parking and outdoor areas.
Utilities are 3% lower than the US median. Energy bills cost around $197 per month, with heating making up a significant portion during Minnesota's famously cold winters. Property insurance averages $800 to $1,200 annually, much lower than hurricane or earthquake-prone states like Florida and California.
Food prices in Minnesota are 3% higher than the national average. A gallon of milk costs roughly $4.63, compared to $4.30 in Los Angeles or $4.10 in Tampa. If you're a family of four, you can expect to spend $1,000 to $1,200 each month on groceries. If you're a single adult, prepare to spend $300 to $450 monthly, depending on your eating habits.
Transportation costs are 0.17% higher than the national average. The average price of gas in MN is $3.03 per gallon, which is significantly lower than California at $3.95, and New York at $3.25. Monthly car insurance averages $145 in Minnesota, 20% lower than the US average of $183. Even with winter tire changes, parking fees, and regular maintenance, transportation costs remain manageable across the state.
Healthcare costs in Minnesota are 9.24% higher than the US average. A routine check-up is $150, compared to $175 in New York City or $185 in San Francisco. Minnesota offers excellent medical facilities, and ranks among the top states for healthcare quality. If you need emergency care at the renowned Mayo Clinic or University of Minnesota Medical Center, expect an ER visit to cost around $2,200 without insurance.
Miscellaneous expenses are 3.86% higher than the US median. This covers essential winter gear, gym memberships (averaging $45 to $85 per month), and weekend activities, like trips to the Minnesota State Fair. A family day at the Mall of America costs up to $120, while date nights in downtown Minneapolis may reach $85.

Moving to Minnesota? Be prepared for cold winters and steady costs—but the quality of life is solid. Just make sure your paycheck can keep up with heating bills and everything else! 👉 Next Step: Compare single-family homes in Minnesota.

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Is Living in Minnesota Expensive?

No, Minnesota is not expensive to live in. In fact, it's quite affordable for most middle-class families. The average cost of living in Minnesota is 4.22% lower than the US average. Housing prices in Minnesota are a great advantage, sitting 22% lower than the national median.

With a budget of $416,913.40, here you'll get a spacious townhouse in Minneapolis with a garage and yard. In contrast, the same amount buys a small condo in Denver or a fixer-upper in Seattle. With reasonable food prices, lower utility costs, and affordable transportation, Minnesota offers a high quality of life at a lower cost.

Housing in Minnesota

The average house cost in Minnesota is $416,913.40. If you're buying a home in Minnesota, there are several factors that make it a great move. Housing in the North Star State is 22% lower than the US average, making it among the most affordable markets in the upper Midwest. With mortgage rates typically ranging from 5.5% to over 7%, and property taxes averaging 1.05%, your monthly payments remain reasonable. Let's break down housing costs in Minnesota:

Buying a House in Minnesota

For young adults or single people, homes in Plymouth or Maple Grove are popular picks, as they offer direct access to major employers and amenities. The average home price in this area is $416,913.40. At this price, your mortgage payments will range from $2,400 to $2,800 per month, excluding insurance and taxes. If you're working with a tighter budget, condos in Minneapolis or St. Paul are relatively cheaper, typically ranging between $180,000 and $280,000.
If you're a married couple with young children (under 6), expect to pay between $350,000 and $550,000 for a three-bedroom home in Edina, Eden Prairie, or other family-friendly suburbs. Homes with large yards in Minnetonka are a popular choice for families. Schools in these areas, like Edina Senior High School and Eden Prairie High School, are consistently rated among Minnesota's best for their academic programs.
For married couples with older children (ages 6 to 17), you can find multi-family homes in Minnesota for $400,000 to $700,000. Duplex homes in Minnesota's suburbs like Saint Paul and Burnsville offer outdoor spaces, as well as access to top schools like Wayzata High School and Minnetonka Senior High School.

Renting a House in Minnesota

The average rent in Minnesota costs 12.3% higher than the national average. While the typical US rent sits around $1,628 per month, Minnesota renters pay approximately $1,535.20, depending on the neighborhood and home size. Let's break down average rental costs across the state:

If you're a young adult or single, the average rent for a one-bedroom home in Minneapolis, downtown Minneapolis or St. Paul is around $1,660 per month. Minneapolis is popular for its arts scene, professional sports teams, and vibrant nightlife, while St. Paul offers historic charm and government job opportunities. If you want more affordable options, you can look at shared homes in Moorhead or St. Cloud, which range from $930 to $1,200 monthly. These areas provide easy access to universities like Minnesota State University Moorhead, Concordia College, and St. Cloud State University, along with regional employment centers.
If you're a married couple with young children (under 6), you can expect to pay between $1,800 and $2,400 per month for a two-bedroom house in Edina, Minnetonka, or other family-friendly neighborhoods. They come with excellent schools, parks, and recreational centers. Edina is home to Edina Public Schools, while Minnetonka boasts some of the state's highest-rated educational programs.
For families with older children (ages 6 to 17), renting a three-bedroom home in Plymouth or a four-bedroom in Burnsville typically costs between $2,200 and $2,800 per month. Rentals near top schools like Wayzata Public Schools tend to be at the higher end of this range. These areas are especially popular among families in search of good schools and safe, well-connected communities.
If you're downsizing, you could spend $1,400 to $1,800 per month renting one- or two-bedroom condos in Bloomington, Eagan, or Apple Valley. These areas offer easy access to shopping centers and healthcare facilities. Seniors often prefer tiny homes in Minnesota, since they provide low-maintenance, affordable living.
International students should budget about $1,800 per month for a shared three-bedroom home in Minnesota. In fact, sharing apartments near the University of Minnesota, St. Thomas University, or other educational institutions can reduce your rent costs by 25% to 35%.

Utilities in Minnesota

Food and Groceries in Minnesota

Transportation in Minnesota

Healthcare in Minnesota

Healthcare costs in Minnesota are 9.24% higher than the US average, while offering some of the nation's highest quality medical care. The state is home to world-renowned medical institutions like Mayo Clinic, University of Minnesota Medical Center, and numerous specialty hospitals. Here's a breakdown of medical costs in Minnesota:

Doctor Visit — $205.97+ per visit: Routine care in Minnesota averages about $205.97 per visit. Common reasons for seeing a doctor, like cold and flu symptoms, blood pressure checks, or prescription refills, typically fall within this range. Depending on the provider, more specialized visits, such as cardiology or orthopedics, may cost between $200 and $350.
Dentist Visit — $112.04+ per visit: This covers routine cleanings and exams. A basic dental cleaning costs around $112.04, while a cavity filling may be $135 to $185. Compared to states like New York ($155 for a cleaning) or California ($145 for a cleaning), Minnesota remains competitively priced. Even minor procedures like X-rays or fluoride treatments tend to be 8 to 12% below coastal averages.
Optometrist Visit — $138.88+ per visit: Routine eye exams in Minnesota cost about $138.88, slightly below the US average of $145. This price includes vision checks and prescription updates. Specialized services can add $45 to $125 more.
Prescription Drugs — $18.98+ per package: For chronic conditions like high blood pressure, a month's supply of Lisinopril can cost $8 to $15 without insurance. Treating type 2 diabetes with Metformin costs $12 to $28 per month. For short-term needs, a common antibiotic like Amoxicillin may cost $15 to $25.
Over-the-Counter Meds — $12.04+ per package: Everyday essentials like Ibuprofen, allergy relief, and cold medications like DayQuil or Mucinex average $8 to $11 per package. Whether you're fighting off seasonal allergies, treating winter colds, or dealing with post-hockey fatigue, a well-stocked medicine cabinet goes a long way.

Healthcare in Minnesota consistently ranks among the best in the nation for quality and accessibility. The state's harsh winters actually help reduce certain health issues like heat-related illnesses, though seasonal affective disorder and winter sports injuries are considerations. Whether you need regular check-ups or urgent care, Minnesota's excellent healthcare infrastructure provides peace of mind.
It's a good idea to get health insurance, as the average cost of a doctor's visit in Minnesota is around $205.97*. The monthly rate of a health insurance plan in the state typically ranges between $450* and $825*.

*Disclaimer: These figures are averages and can vary based on individual circumstances and specific insurance providers. It's recommended to compare plans and consult with insurance professionals to find the best coverage for your needs.

Miscellaneous Costs in Minnesota

What Salary Do You Need to Live in Minnesota?

The average salary in Minnesota is 4.22% lower, which stretches relatively well across the state, thanks to modest housing and utility costs. However, in cities like Minneapolis and Edina, higher property taxes and service costs push budgets higher.

Homeowners spend $95,954.00 per year: Between mortgage payments, insurance, and heating costs during long winters, owning a home in Minnesota, especially in the Twin Cities, requires a solid income. Smaller towns like Duluth or Mankato offer some relief, but expenses remain steady statewide.

Renters spend $56,318.00 per year: Monthly rent for one- to two-bedroom apartments, along with utilities and transportation, makes this the average annual expense for tenants in most parts of the state. Minneapolis and St. Paul renters will see costs skew higher due to demand.

Families with kids spend $101,995.00 per year: Childcare, groceries, larger housing, and seasonal costs (like winter gear and indoor activities) push family budgets upward. Dual-income households can manage comfortably, especially outside major urban centers.

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What is a Cost of Living Calculator?

A cost of living calculator helps you compare the expenses required to live in a different location. The calculator factors in various living expenses like housing, food, utilities, transportation, fitness, and entertainment, etc., and helps you estimate how much salary you need to live in that city. Since the cost of goods and services varies in different cities, a Minnesota cost of living calculator can help you make the decision to move to this city or not.

About Cost of Living Data

The data used to determine Minnesota's cost of living is sourced from the Council for Community and Economic Research (C2ER). Published since 1968, COLI data is recognized by the U.S. Census Bureau and the Bureau of Labor Statistics. This organization regularly updates its data to offer a detailed and well-researched view of living expenses in cities across the country. An independent Advisory Board reviews C2ER’s data collection methodologies and quarterly publications to ensure consistency and quality. For more information, visit www.coli.org. Data published as of Oct 2025.

Frequently Asked Questions

What is the average price of gas in MN?

The average price of gas in MN is $3.03 per gallon. Prices may fluctuate during winter months due to seasonal blends and increased demand for heating oil. Additionally, rural areas may have slightly higher prices than Twin Cities metro stations.

Is Minnesota a good place to live?

Yes, Minnesota is a great place to live for those who value high-quality education, world-class healthcare, and access to outdoor activities year-round. The state is home to major employers and top-rated school districts. The Twin Cities metro offers urban convenience with family-friendly neighborhoods, a vibrant arts scene, and a strong sense of community.

What is the average cost of living in Minnesota?

The Minnesota cost of living is 4.22% lower than the US average. Eden Prairie and Edina are more expensive, while St. Cloud, Moorhead, and Mankato are among the most affordable places to live in Minnesota.

What is the average cost of living in Minnesota per month?

The average cost of living in Minnesota per month is approximately $1,600 to $1,900 for a single person, and over $5,000 for a family of four. Costs may vary based on the location and lifestyle.

What is the average rent in Minnesota?

The average rent in Minnesota for a one-bedroom apartment is typically $1,535.20 to $1,850 per month. However, premium neighborhoods like downtown Minneapolis and Edina cost more, as they offer amenities like fitness centers, underground parking, and proximity to employment centers.

How much is a two-bedroom apartment in Minnesota?

A two-bedroom apartment in Minnesota costs between $2,000 and $2,800 per month. Expect higher rents for lake views or luxury buildings in Wayzata, Plymouth, or downtown Minneapolis.

What is the average price of utilities in Minnesota?

Utilities in Minnesota range from $475 to $537 per month. This includes electricity, water, sewer, and trash, with significantly higher heating bills during winter.

Is it expensive to live in Minnesota?

No, it's not very expensive to live in Minnesota. In fact, the living expenses in Minnesota are 5% lower than the national average. It's more affordable than many coastal states, while still offering a high quality of life.

How much is childcare in Minnesota?

If you're moving to Minnesota, expect childcare costs to range between $3.86 per month for toddlers. Prices vary by area, with daycare centers in Edina and Plymouth costing more than in-home care setups in St. Cloud and Moorhead.

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Data provided by Redfin, a national real estate brokerage.

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Cost of Living in
Minnesota

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A Breakdown of the Cost of Living in Minnesota

Find your
dream home in Minnesota

Is Living in Minnesota Expensive?

Housing in Minnesota

Buying a House in Minnesota

Renting a House in Minnesota

Utilities in Minnesota

Food and Groceries in Minnesota

Transportation in Minnesota

Healthcare in Minnesota

Miscellaneous Costs in Minnesota

What Salary Do You Need to Live in Minnesota?

Is Minnesota Too Expensive? Find Homes in Minnesota as Per Your Budget

Discover your place in Minnesota

What is a Cost of Living Calculator?

About Cost of Living Data

Frequently Asked Questions

What is the average price of gas in MN?

Is Minnesota a good place to live?

What is the average cost of living in Minnesota?

What is the average cost of living in Minnesota per month?

What is the average rent in Minnesota?

How much is a two-bedroom apartment in Minnesota?

What is the average price of utilities in Minnesota?

Is it expensive to live in Minnesota?

How much is childcare in Minnesota?

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Cost of Living in Minnesota

Enter the city you're moving from

A Breakdown of the Cost of Living in Minnesota

Find your dream home in Minnesota

Is Living in Minnesota Expensive?

Housing in Minnesota

Buying a House in Minnesota

Renting a House in Minnesota

Utilities in Minnesota

Food and Groceries in Minnesota

Transportation in Minnesota

Healthcare in Minnesota

Miscellaneous Costs in Minnesota

What Salary Do You Need to Live in Minnesota?

Is Minnesota Too Expensive? Find Homes in Minnesota as Per Your Budget

Discover your place in Minnesota

What is a Cost of Living Calculator?

About Cost of Living Data

Frequently Asked Questions

What is the average price of gas in MN?

Is Minnesota a good place to live?

What is the average cost of living in Minnesota?

What is the average cost of living in Minnesota per month?

What is the average rent in Minnesota?

How much is a two-bedroom apartment in Minnesota?

What is the average price of utilities in Minnesota?

Is it expensive to live in Minnesota?

How much is childcare in Minnesota?

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