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St. Michael, MN Area Profile

St. Michael, MN in plain English: costs, housing, commuting, local signals, and homeowner guides in one place.

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St. Michael Money Snapshot

A practical money read for St. Michael, MN: buyers screening ownership costs before checking parcel records. Use the numbers below to separate buying, renting, taxes, and monthly planning before you look at a specific address.

Median income$130,814Household income baseline for comparing homes and rentals.
Median home value$365,800A market marker to compare with current listings.
Two-bedroom rent$2,038/moA rent marker before utilities, fees, and lease terms.
Property tax paid$4,115A tax-paid marker before parcel and exemption checks.
City-specific ACS State reference Estimated Address-specific checks

Estimated monthly basics: $2,546. Buyer stretch: 2.8x income. Rent screen: 5.3x annual rent. Check mortgage terms, parcel tax, provider rates, insurance, commute, and local fees for the exact address.

What This Means

A plain-language read before the detailed tables: use this page as a starting point, then verify address-level costs before committing to a lease, purchase, or move.

For buyers

Start with home value $365,800, property tax $4,115, insurance, and maintenance before comparing mortgage quotes.

For renters

Renters can use the two-bedroom rent marker $2,038/mo as a first screen, then compare current listings and utility load by address.

For movers

Movers should compare St. Michael with nearby MN places, then verify commute, school boundaries, parcel taxes, provider rates, and insurance quotes.

Best Next Step

Choose the path that matches why you opened this city page.

Cost of Living

A quick read on budget room, monthly load, buying stretch, and rental fit around St. Michael.

Budget room

59/100

Monthly load

23.4%

Buyer stretch

2.8x

Rent fit

5.3x

Cost of living summary
MetricValue
Median household income$130,814
Estimated monthly basics$2,546
Median home value$365,800
Two-bedroom rent marker$2,038/mo
  • St. Michael, MN should be compared on income, housing, taxes, utilities, insurance, and commute together.
  • State utility and labor numbers are helpful references, not exact city quotes.
View Minnesota cost of living report

Utilities

Monthly utility patterns and baseline household costs for power, water, gas, and fuel.

Electric Rate Consumption

Water Consumption

Everyday utility costs
MetricValue
Electricity rate$0.164/kWh
Water bill avgCheck provider
Gas rateCheck provider
Provider tariffNeeds address verification
View Minnesota utilities report

Demographics

Population, age, income, and education markers for local planning.

Community snapshot
MeasureEstimate
Population19,267
Median age37.5
Bachelors plus44.3%
Median household income$130,814

Use these city-level ACS fields as a first pass, then check neighborhood and address-level conditions in St. Michael.

Schools

School boundaries, programs, transportation, and campus-level performance can vary inside the same city. Use this panel as a planning prompt before checking district records for a specific address in St. Michael.

School Planning Checks

School planning context
CheckWhy it matters
Attendance boundaryVerify with the district before relying on a listing.
Program fitReview grade-level programs, special services, and transportation.
Nearby comparisonsCompare St. Michael with nearby cities before narrowing to one neighborhood or address.

Economy

A compact labor-market snapshot showing income and state employment context.

Local economy snapshot
Unemployment reference4.4%
Median income$130,814
Labor-market sourceState reference

Property Taxes and Housing

Home values, property taxes, and rental context in one housing-focused snapshot.

Home value, tax, and rent context
IndicatorValue
Median home value$365,800
Median property tax paid$4,115
Two-bedroom rent marker$2,038/mo
Address-level parcel checkRequired before purchase
View Minnesota property tax report

Insurance

Insurance costs can change the real affordability picture. Use this panel as a prompt to quote the exact address.

Insurance planning checks
Home value exposure$365,800
Weather and flood riskCheck by address
Carrier quoteRequired before closing or lease
Compare insurance planning factors

Climate

Climate and weather context for utility, insurance, maintenance, and commute planning.

Heat loadCheck forecast
Storm exposureAddress dependent
SeasonalityMinnesota reference
Climate snapshot
Current weatherUse local forecast before travel or move planning
Insurance relevanceRoof, flood, fire, and wind exposure can vary by address

St. Michael Facts

Fast reference fields for comparing St. Michael with other MN cities.

Quick facts
MetricValue
Median age37.5
Bachelors plus44.3%
Unemployment reference4.4%

Last Updated

This St. Michael, Minnesota guide was last refreshed on 2026-07-01. Always verify address-specific details before making a move, purchase, lease, or home project decision.

Last updated
City data2026-07-01
Exact addressCheck locally before you decide

Homeowner Planning Guides

Use these home improvement guides with the St. Michael dashboard to compare housing, utility, climate, insurance, and repair-cost context before requesting quotes.

Top DataByArea Reads

Articles and Top 10 lists selected for St. Michael readers. Labels show whether each card is a city match, state context, or a latest sitewide read.

Where This Data Comes From

This St. Michael, Minnesota guide uses 3 public data sources. Use it as a starting point, then verify the exact address, school boundary, utility provider, insurance quote, and contractor scope.

Census ACSPopulation, income, housing, and commute data.
EIA residential electricityState electricity price reference.
BLS state unemploymentState labor-market reference.

Data updated 2026-07-01.

St. Michael FAQ

Which values on this St. Michael page are city-specific?

Population, income, housing, education, and demographic numbers are city-specific when a matching public record is available for St. Michael, MN. Utility and labor numbers may use state-level references.

Why should I verify address-level costs in St. Michael?

Parcel taxes, provider rates, insurance quotes, school boundaries, flood exposure, commute costs, and local fees can vary by address.

Nearby Comparisons

Use nearby places as a sanity check before relying on one city profile. Distances are planning context, not commute times.

Albertville, MN

Albertville, MN is 3 mi away and works as distance-based comparison for home-value context around $326k.

Distance
3 mi
Fit
Distance-based comparison
Home value
$326k
Full comparison City page

Hanover, MN

Hanover, MN is 3 mi away and works as distance-based comparison for home-value context around $422k.

Distance
3 mi
Fit
Distance-based comparison
Home value
$422k
Full comparison City page

Otsego, MN

Otsego, MN is 6 mi away and works as distance-based comparison for home-value context around $367k.

Distance
6 mi
Fit
Distance-based comparison
Home value
$367k
Full comparison City page

Rogers, MN

Rogers, MN is 6 mi away and works as regional context for home-value context around $438k.

Distance
6 mi
Fit
Regional context
Home value
$438k
Full comparison City page

Greenfield, MN

Greenfield, MN is 7 mi away and works as regional context for home-value context around $524k.

Distance
7 mi
Fit
Regional context
Home value
$524k
Full comparison City page

Rockford, MN

Rockford, MN is 8 mi away and works as regional context for home-value context around $266k.

Distance
8 mi
Fit
Regional context
Home value
$266k
Full comparison City page

Corcoran, MN

Corcoran, MN is 8 mi away and works as regional context for home-value context around $540k.

Distance
8 mi
Fit
Regional context
Home value
$540k
Full comparison City page