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Lake of the Woods
Minnesota

4K

Population

$62K

Median Income

$227K

Median Home

R+35

Politics

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What stands out

Against every county in America, Lake of the Woods County is unusual in three ways: the average temperature is among the coldest in America (40°F), population growth is among the fastest shrinking in America (-2.8% a year), and natural-hazard risk is in the bottom 2% of American counties (2 of 100). Within Minnesota it ranks 6th of 87 counties for the average temperature, counting from the bottom.

Where you are

You live in Lake of the Woods County, Minnesota. 3,786 people live here with you, so most faces are familiar. The population shrank 2.8% last year, and more Americans moved out than in (net -95).

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 $61,667 a year, higher than 53% of American counties. Employers pay an average wage of $54,228. Unemployment runs 3.2%, lower than 56% of American counties. 7% of workers work from home.

Minnesota takes 6.0% of that median income in state income tax, about $3,710 a year.

Home

The median home costs $232K, cheaper than 51% of American counties, about 2.6 years of the median household's income. A two-bedroom rents for around $890 a month. Property tax is 0.69% of home value, roughly $1,399 a year on that median home, lower than 67% of American counties. 83% of households own rather than rent.

Safety and health

Violent crime here is 3.1 per 1,000 residents, lower than 86% of American counties.

A child born here can expect to live 78.9 years, longer than 83% of American counties. There is 1 active physician in the county, about 2.6 per 10,000 people. 6.5% of people under 65 have no health insurance.

School

Local students test at grade level 2.85 where 3.0 is national grade level, lower than 57% of American counties. 96% of adults finished high school.

Neighbors and politics

In 2024 your neighbors voted Republican by 35 points. 80% 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 40°F, highs near 51 and lows near 28, colder than almost every county in America. About 21 inches of rain and snow fall a year. FEMA puts natural-hazard risk at 2 out of 100, safer than 98% of American counties; the county has had 18 federal disaster declarations since 1953.

Getting around, going out

Home internet averages 88 Mbps down, slower than 91% of American counties. There are 2 airports in the county, counting general aviation. For a night or a weekend out: 1.3 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$62K
This county
national avg ~$75K
Poverty Rate11.0%
This county
national avg ~11.5%
Unemployment Rate3.2%
This county
national avg ~3.8%
GDP per Capita$59,540
Federal Spending per Capita$316
Median Individual Earnings$40K
This county
national avg $45K
Professional/Management Workers24.5%
Average Adjusted Gross Income$63K
Avg Credit Score712
Work From Home %6.7%
This county
national avg 17.0%
Population Under 1818.5%
This county
national avg 22.0%
Single-Person Households32.8%
This county
national avg 28.0%
Banks & Finance Firms3
Income (20th Percentile)$26K
Income (80th Percentile)$115K
Income (95th Percentile)$198K
Bachelor's Degree or Higher21.2%
This county
national avg 34.3%
Less Than High School4.0%
This county
national avg 11.0%
Knowledge Economy GDP %0.8%
Dependency Ratio0.77
Medicare Spending / Person$4,921
SS Benefits / Person$5,443
Education Wage Premium2.22x
Median Earnings (Bachelor's)$64K
Median Earnings (Graduate)$88K
Median Earnings (HS Diploma)$39K
Public Assistance Recipients1.0%
Average Annual Wage$54K
Professional Services Concentration0.16x national
This county
1.0 = national average share
Federal Government Jobs Located Here25
Federal Share of Jobs Located Here1.6%
Residents Who Work for the Federal Government4.7%
Federal Civilian Share of Earnings3.4%
Federal Contract Dollars Performed Here (FY2025)$25,660
Contract Dollars Relative to Local Wages0.00x wages
Largest Award's Share of Contract Dollars61%

Housing

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

Median Home Value$227K
This county
$335K state avg
$303K national
Market Rent (ZORI)$821/mo
This county
$1450/mo state avg
$1400/mo national
Property Tax Rate0.69%
This county
1.02% state avg
1.10% national

Annual tax on median home: $1,399

Affordability & Supply

HUD Fair Market Rent (2BR)$1,014/mo
Home Price Change (1 yr)-7.9%−+16.8% since 2024
Home Value to Income Ratio2.6x income
Severely Cost-Burdened Households9.6%
Homeownership Rate82.7%
This county
national avg ~65%

Market Activity

Sources: Zillow Research monthly · Redfin

Listings with Price Cuts— Low — market moving fast
10.2%
Active Listings
32
New Listings / Month
4

Source: Zillow Research · Updated monthly

Days on Market (Redfin)— Average pace
23 days
Months of Supply (Redfin)— High inventory — buyers market
7.8 mo
Sold Above List (Redfin)
0.0%
Sale-to-List Ratio (Redfin)— Buyers market — homes selling below list
94.5%

Source: Redfin · Updated monthly

Health

Life Expectancy78.9 yrs
This county
national avg ~78.5 years
Food Insecurity7.7%
This county
national avg ~11%
Food Environment Index8.3 / 10
This county
higher = better access
Primary Care Shortage Score13
This county
national avg 5
Mental Health Shortage Score19
Dental Care Shortage Score16
Healthcare Shortage Score16.0
Healthcare Offices4
Obesity Rate (BRFSS)35.6%
This county
national avg 32.0%
Smoking Rate (BRFSS)15.6%
This county
national avg 14.0%
Poor Health Rate (BRFSS)15.7%
This county
national avg 18.0%
Physical Inactivity (BRFSS)23.3%
This county
national avg 24.0%
High Blood Pressure (BRFSS)27.9%
This county
national avg 32.0%
Active Physicians1
ER Visits per 1,000 Medicare Patients667 / 1,000
Medicare Cost per Beneficiary$14,561
Uninsured (under 65)6.5%
This county
national avg ~10%
Adults with Depression25.1%

Education

Math Test Scores2.94 grade level
Reading Test Scores2.75 grade level
HS Diploma Holders875
Bachelor's Degree Holders466
HS Completion Rate96.0%
This county
national avg ~85%

Safety

Violent Crime Rate3.1 / 1,000
This county
national avg ~4.0
Traffic Fatalities1
Social Vulnerability (CDC SVI)4th pct
Drug Overdose Deaths (2024)0.0 / 100K

Climate & Air Quality

Natural Amenity Scale-3.1
January Sunshine-0.80
January Temperature-2.50
Average Temp40°F+8.4% since 2022
Avg High Temp51°F+10% since 2022
Avg Low Temp28°F+6.0% since 2022
Annual Precipitation21.4 in/yr-6.6% since 2022
Avg Storm Events5.4 storms/yr
Avg Annual Storm Damage$2K
Drought Index (2022)-0.61
Heating Degree Days9,404 HDD/yr
This county
national avg ~4,500 HDD/yr
Cooling Degree Days338 CDD/yr
This county
national avg ~1,200 CDD/yr
Heating Degree Days (1901–2000 Baseline)10,672 HDD/yr
Cooling Degree Days (1901–2000 Baseline)229 CDD/yr
Avg Tornadoes / Year0.8
Avg Flood Events / Year0.0
Avg Hail Events / Year2.2
Avg Hurricane Events / Year0.00
Avg Wildfire Events / Year0.0
Avg Winter Storms / Year0.0
Avg Heat Events / Year0.0
Natural Hazard Risk (FEMA)2 / 100
Community Resilience (FEMA)99 / 100
Federal Disaster Declarations18 since 1953
Fine Particulate Pollution (PM2.5)5.1 µg/m³
This county
EPA standard 9 µg/m³

Outdoor & Recreation

Historic Places (NRHP)4 properties
FAA-Registered Airports4 total
Airports (excl. heliports)2 airports

Internet & Remote Work

Download Speed88 Mbps
This county
national avg ~120 Mbps
Upload Speed25 Mbps
Fixed Internet (Q1 2026)180 Mbps
Mobile Internet (Q1 2026)179 Mbps
Mobile Upload (Q1 2026)27 Mbps
Mobile Latency (Q1 2026)49 ms
Households with 100Mbps+86.2%
This county
national avg 75.0%
Cellular-Only Internet14.6%
This county
national avg 8.0%
Fixed Upload Speed (Q1 2026)116 Mbps

Commute & Transit

Remote Workers128 workers
Public Transit Commuters13 workers
Walk to Work (workers)133 workers
Extreme Commutes (90+ min)38 workers
Bike Commuters0.2%
Walk to Work7.0%

Families & Childcare

Childcare Cost Burden30.9%
This county
national median ~27% of household income

Civic & Community

Voter Turnout80.4%
This county
national avg ~55%
Volunteering Rate1.0%
Income Inequality (Gini)4.356
Nonprofit Organizations47
Veterans Share9.1%
This county
national avg 7.0%
Married Adults52.0%
Never-Married Adults27.1%
Divorced Adults12.9%
Religious Organizations9
Asian Population0.1%
Native American Population2.1%
Membership Associations36.6 per 10K residents

Lifestyle & Services

Full-Service Restaurants1.33 per 1K residents
Hotels & Lodging30
Recreation Businesses7
Professional Services Firms7
Real Estate Firms4
Debt Burden
Avg Mortgage Balance$84K
Avg Student Loan Balance$8K
Avg Credit Card Balance$5K
Loan Delinquency Rate25.9%
This county
national avg 4.0%

Innovation

Inventor Rate0.74%

Politics

R+35

2024 Presidential · Minnesota was D+4 statewide

vs Minnesota State

Income tax
9.85%Same (state law)
Property tax
0.69%1.02% state avg
Politics
R+35D+4
COL Index
95state index (no county figure)

Population & Migration

Net Domestic Migration 2023

↓ -95

More people leaving than arriving

IRS Wealth Migration

Lower-income migration pattern (IRS: 0.92x avg income)

Economic Mobility

52%

chance a low-income child reaches the middle class

Source: Opportunity Insights

Real Estate

Find Homes in Lake of the Woods County

Median home value: $232K

View on Zillow →View on Realtor.com →

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Taxes, cost of living, crime, schools, gun laws and more.

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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

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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