← Map/← Minnesota/Counties/Cottonwood

Cottonwood
Minnesota

11K

Population

$64K

Median Income

$163K

Median Home

R+16

Politics

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What stands out

What stands out about Cottonwood County: the school test score is in the top 4% of American counties (3.50 where 3.0 is grade level), the average commute is in the bottom 5% of American counties (15 minutes), and home internet speed is in the bottom 5% of American counties (70 Mbps). Within Minnesota it ranks 17th of 87 counties for the school test score.

Where you are

You live in Cottonwood County, Minnesota. 11,481 people live here with you. The population shrank 0.6% last year, and more Americans moved out than in (net -39).

Minnesota has a graduated income tax that reaches 9.85%, taxes Social Security above income thresholds, and has an estate tax with a $3 million exemption. In exchange it ranks near the top in health outcomes, school results and household income, and the Twin Cities metro holds more Fortune 500 headquarters per capita than any other. Winters are long and cold.

Money

The typical household here brings in $63,586 a year, higher than 59% of American counties. Employers pay an average wage of $49,092. Unemployment runs 2.8%, lower than 72% of American counties. 9% of workers work from home; for the rest the average commute is 15 minutes each way.

Minnesota takes 6.0% of that median income in state income tax, about $3,841 a year.

Home

The median home costs $164K, cheaper than 78% of American counties, about 1.7 years of the median household's income. A two-bedroom rents for around $683 a month. Property tax is 1.12% of home value, roughly $1,586 a year on that median home, higher than 68% of American counties. 77% of households own rather than rent.

Safety and health

Violent crime here is 3.3 per 1,000 residents, lower than 82% of American counties. Drug overdoses killed 8 people per 100,000 in 2024.

A child born here can expect to live 77.9 years, longer than 74% of American counties. There are 9 active physicians in the county, about 7.8 per 10,000 people. 7.3% of people under 65 have no health insurance.

School

Local students test at grade level 3.39 where 3.0 is national grade level, higher than 96% of American counties. 91% of adults finished high school.

Neighbors and politics

In 2024 your neighbors voted Republican by 16 points. 76% of eligible voters turned out. Under Minnesota law you can get a concealed-carry permit on request, abortion is protected by state law, and marijuana is legal for adults.

Weather and risk

The year averages 47°F, highs near 58 and lows near 37, colder than 83% of American counties. About 27 inches of rain and snow fall a year. FEMA puts natural-hazard risk at 45 out of 100, safer than 55% of American counties; the county has had 17 federal disaster declarations since 1953.

Getting around, going out

Home internet averages 70 Mbps down, slower than 95% of American counties. There are 4 airports in the county, counting general aviation. For a night or a weekend out: 0.6 full-service restaurants per 1,000 people.

Written from the figures below. Percentiles compare this county with every other county that reports the same figure; missing figures are left out rather than guessed.

Economy

Median Household Income$64K
This county
national avg ~$75K
Poverty Rate13.2%
This county
national avg ~11.5%
Unemployment Rate2.8%
This county
national avg ~3.8%
GDP per Capita$73,168
Federal Spending per Capita$125
Median Individual Earnings$41K
This county
national avg $45K
Professional/Management Workers35.1%
Average Adjusted Gross Income$67K
Avg Credit Score726
Work From Home %8.7%
This county
national avg 17.0%
Population Under 1824.7%
This county
national avg 22.0%
Single-Person Households30.3%
This county
national avg 28.0%
Banks & Finance Firms8
Income (20th Percentile)$30K
Income (80th Percentile)$116K
Income (95th Percentile)$194K
Bachelor's Degree or Higher22.5%
This county
national avg 34.3%
Less Than High School8.7%
This county
national avg 11.0%
Knowledge Economy GDP %4.0%
Dependency Ratio0.90
Medicare Spending / Person$4,077
SS Benefits / Person$4,759
Education Wage Premium1.56x
Median Earnings (Bachelor's)$51K
Median Earnings (Graduate)$59K
Median Earnings (HS Diploma)$38K
Public Assistance Recipients2.8%
Average Annual Wage$49K
Professional Services Concentration0.23x national
This county
1.0 = national average share
Federal Government Jobs Located Here45
Federal Share of Jobs Located Here0.9%
Residents Who Work for the Federal Government1.6%
Federal Civilian Share of Earnings1.3%
Federal Contract Dollars Performed Here (FY2025)$88,446
Contract Dollars Relative to Local Wages0.00x wages
Largest Award's Share of Contract Dollars58%
Oil and Gas Share of Earnings (incl. proprietors)0.0%

Housing

Sources: Zillow ZHVI · Census ACS 2022 · Tax Foundation 2023 (effective rates)

Median Home Value$163K
This county
$335K state avg
$303K national
Market Rent (ZORI)$755/mo
This county
$1450/mo state avg
$1400/mo national
Property Tax Rate1.12%
This county
1.02% state avg
1.10% national

Annual tax on median home: $1,586

Affordability & Supply

HUD Fair Market Rent (2BR)$973/mo
Home Price Change (1 yr)+4.5%++4.1% since 2024
Home Value to Income Ratio1.7x income
Severely Cost-Burdened Households6.6%
Homeownership Rate76.7%
This county
national avg ~65%

Market Activity

Sources: Zillow Research monthly · Redfin

Listings with Price Cuts— Low — market moving fast
14.9%
Active Listings
56
New Listings / Month
11

Source: Zillow Research · Updated monthly

Days on Market (Redfin)— Average pace
39 days
Months of Supply (Redfin)— Balanced market
4.0 mo
Sold Above List (Redfin)
30.0%
Sale-to-List Ratio (Redfin)— Buyers market — homes selling below list
98.5%

Source: Redfin · Updated monthly

Health

Life Expectancy77.9 yrs
This county
national avg ~78.5 years
Food Insecurity7.6%
This county
national avg ~11%
Food Environment Index9.0 / 10
This county
higher = better access
Primary Care Shortage Score15
This county
national avg 5
Mental Health Shortage Score19
Dental Care Shortage Score15
Healthcare Shortage Score16.3
Healthcare Offices13
Obesity Rate (BRFSS)39.8%
This county
national avg 32.0%
Smoking Rate (BRFSS)16.7%
This county
national avg 14.0%
Poor Health Rate (BRFSS)18.6%
This county
national avg 18.0%
Physical Inactivity (BRFSS)27.6%
This county
national avg 24.0%
High Blood Pressure (BRFSS)30.1%
This county
national avg 32.0%
Active Physicians9
Nursing Home Rating2.7 / 5
This county
national avg ~3 stars
ER Visits per 1,000 Medicare Patients630 / 1,000
Medicare Cost per Beneficiary$11,629
Uninsured (under 65)7.3%
This county
national avg ~10%
Adults with Depression25.1%

Education

Math Test Scores3.50 grade level
Reading Test Scores3.28 grade level
HS Diploma Holders2,413
Bachelor's Degree Holders1,318
HS Completion Rate91.3%
This county
national avg ~85%

Safety

Violent Crime Rate3.3 / 1,000
This county
national avg ~4.0
Social Vulnerability (CDC SVI)49th pct
Drug Overdose Deaths (2024)7.7 / 100K

Climate & Air Quality

Natural Amenity Scale-2.3
January Sunshine0.14
January Temperature-1.55
Average Temp47°F+5.8% since 2022
Avg High Temp58°F+4.9% since 2022
Avg Low Temp37°F+7.0% since 2022
Annual Precipitation26.7 in/yr+24% since 2022
Avg Storm Events17.0 storms/yr
Avg Annual Storm Damage$40K
Drought Index (2022)-0.73
Heating Degree Days7,209 HDD/yr
This county
national avg ~4,500 HDD/yr
Cooling Degree Days794 CDD/yr
This county
national avg ~1,200 CDD/yr
Heating Degree Days (1901–2000 Baseline)8,333 HDD/yr
Cooling Degree Days (1901–2000 Baseline)616 CDD/yr
Avg Tornadoes / Year1.8
Avg Flood Events / Year4.0
Avg Hail Events / Year2.8
Avg Hurricane Events / Year0.00
Avg Wildfire Events / Year0.0
Avg Winter Storms / Year0.0
Avg Heat Events / Year0.0
Natural Hazard Risk (FEMA)45 / 100
Community Resilience (FEMA)82 / 100
Federal Disaster Declarations17 since 1953
Fine Particulate Pollution (PM2.5)6.2 µg/m³
This county
EPA standard 9 µg/m³

Outdoor & Recreation

Historic Places (NRHP)5 properties
FAA-Registered Airports6 total
Airports (excl. heliports)4 airports

Internet & Remote Work

Download Speed70 Mbps
This county
national avg ~120 Mbps
Upload Speed32 Mbps
Fixed Internet (Q1 2026)120 Mbps
Mobile Internet (Q1 2026)173 Mbps
Mobile Upload (Q1 2026)15 Mbps
Mobile Latency (Q1 2026)32 ms
Households with 100Mbps+92.9%
This county
national avg 75.0%
Cellular-Only Internet8.7%
This county
national avg 8.0%
Fixed Upload Speed (Q1 2026)82 Mbps

Commute & Transit

Remote Workers453 workers
Public Transit Commuters0 workers
Walk to Work (workers)239 workers
Extreme Commutes (90+ min)120 workers
Avg Commute Time14.7 min
This county
national avg ~27 min
Bike Commuters0.3%
Walk to Work4.6%

Families & Childcare

Childcare Cost Burden32.0%
This county
national median ~27% of household income
Childcare Centers8.0 per 10K residents
Childcare Facilities3

Civic & Community

Voter Turnout75.8%
This county
national avg ~55%
Volunteering Rate1.0%
Income Inequality (Gini)3.874
Nonprofit Organizations114
Veterans Share6.9%
This county
national avg 7.0%
Married Adults53.8%
Never-Married Adults26.6%
Divorced Adults12.0%
Religious Organizations23
Asian Population3.9%
Native American Population0.3%
Membership Associations20.7 per 10K residents

Lifestyle & Services

Full-Service Restaurants0.62 per 1K residents
Nursing & Care Facilities15
Grocery Stores3
Recreation Businesses3
Professional Services Firms16
Real Estate Firms7
Debt Burden
Avg Mortgage Balance$90K
Avg Student Loan Balance$9K
Avg Credit Card Balance$5K
Loan Delinquency Rate23.8%
This county
national avg 4.0%

Innovation

Inventor Rate0.34%

Politics

R+16

2024 Presidential · Minnesota was D+4 statewide

vs Minnesota State

Income tax
9.85%Same (state law)
Property tax
1.12%1.02% state avg
Politics
R+16D+4
COL Index
95state index (no county figure)

Population & Migration

Net Domestic Migration 2023

↓ -39

More people leaving than arriving

IRS Wealth Migration

Lower-income migration pattern (IRS: 0.68x avg income)

Economic Mobility

51%

chance a low-income child reaches the middle class

Source: Opportunity Insights

Real Estate

Find Homes in Cottonwood County

Median home value: $164K

View on Zillow →View on Realtor.com →

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Data: Census ACS, BLS, Zillow, USDA Natural Amenities, OpenElections 2024, CMS, NCES. Vintage 2022–2025. News via Google News.

Your Priorities

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Quick Profiles

Dial in your priorities

Annual Income

$150K

Affects effective income tax rate

$0$500K$5M+

Retirement Savings

$0

Affects pension and SS tax burden

None$500K$10M+

Social Security

None

Annual Social Security benefit

None$150K/yr

My Property Is Worth

$400K

Affects property tax burden

Tax burden ↓$1M$50M+

Home Buying Budget

$400K

Compared to state median home price

Hard to find$250K$5M+

Monthly Rent Budget

Don't care

Compared to state median 2BR rent

Don't care$10K/mo

Job Market

Don't care

State unemployment and job growth

Don't careHot market

Airport Access

Don't care

Direct flight destinations from state hubs

Don't careMust have hub

City vs Country

Mid-size city

% urban population

Deep countryBig city

Sunshine

Don't care

Annual sunny days per state

Don't careMax sunshine

Food Scene

Don't care

Restaurants per 100K residents

Don't careWorld-class

Political Preference

Neutral

State's political lean

LiberalConservative

Gun Laws

Neutral

State gun law grade (Giffords)

Gun Control2A Freedom

Abortion Access

Neutral

State abortion access policy

Pro-ChoiceNeutralPro-Life

Community

None

Congregations per 100K residents

AvoidDon't careSeek

Sports & Entertainment

Don't care

Pro sports teams and major venues

Don't careMust have pro teams

Cannabis Laws

Neutral

State cannabis legality

Prefer LegalNeutralPrefer Prohibition

Retiree Community

Neutral

% population 65+ (Census)

Young areaRetirement-heavy

Dating Market

Neutral

% adults never-married (Census)

Singles sceneFamily community

Safety / Low Crime

Don't care

Violent crime rate per 100K (FBI)

Don't careVery safe

School Quality

Don't care

K-12 rank (Education Week)

Don't careTop-ranked

Healthcare Access

Don't care

Healthcare system rank (Commonwealth Fund)

Don't careTop-ranked

Childcare Affordability

Don't care

Cost of living proxy for childcare affordability

Don't careMust be affordable