Cost of Living in Chisago County, Minnesota

$1,112/mo

Median Monthly Rent

$326,600

Median Home Value

22% above state averageUnaffordable

At a Glance

Median Monthly Rent

$1,112/mo

22% above state average

Median Home Value

$326,600

16% above national

Rent-to-Income Ratio

30.0%

% of income spent on rent

Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)

Affordability Rating

Unaffordable

Rent over 50% of income

How Chisago County Compares

Median monthly rent comparison

Chisago County$1,112/mo

Minnesota Average$915/mo

National Median$1,163/mo

Detailed Housing Stats

$1,112/mo

Median Gross Rent

$326,600

Median Home Value

$1,643/mo

Monthly Owner Cost

30.0%

Rent-to-Income Ratio

Data Story

About Cost of Living in Chisago County, Minnesota

Chisago combines strong income with ease

Chisago County residents earn $98,260—31% above the national median—and spend just 13.6% on rent, the best ratio in this group. This combination of above-average income and below-average affordability burden creates genuine comfort.

Among Minnesota's most livable counties

Chisago's 13.6% rent-to-income ratio beats Minnesota's 14.5% state average, placing it among the easier housing markets in the state. The county balances suburban convenience with income levels that make housing genuinely manageable.

Better affordability than wealthy Carver

Though Chisago's median rent of $1,112 and home values of $326,600 exceed Carlton and most peers, the county's higher incomes ($98,260) produce a better affordability ratio (13.6%) than higher-earning Carver (14.1%). Chisago offers premium housing without premium affordability strain.

Housing stays comfortably proportional

Chisago renters pay $1,112 monthly while homeowners spend $1,643, representing roughly 13-20% of the $98,260 median income. Both renters and buyers maintain healthy housing-to-income margins, unusual for counties with this rental price level.

Chisago rewards solid middle-class earners

If you earn $90,000–$120,000 and want suburban access to Twin Cities employment without Carver's premium pricing, Chisago delivers excellent value. The county proves that housing affordability isn't just about low prices—it's about the right income-to-cost fit.

Affordability Calculator

See how your income compares to housing costs in Chisago County

Your Annual Household Income

Rent Burden

13.6%

of gross income

Max Housing (28% Rule)

$2,293

per month

Owner Cost Burden

20.1%

of gross income

The median home in Chisago County may be a stretch

Median home value is $326,600. Estimated monthly cost: $2,607 vs. your max of $2,293.

Rent Affordability Guide

Your rent-to-income ratio13.6%

Recommended max30.0%

Frequently Asked Questions

What is the cost of living in Chisago County, Minnesota?

Chisago County, Minnesota has a median monthly rent of $1,112/mo and a median home value of $326,600. The affordability rating is Unaffordable, with rent making up approximately 30.0% of median household income.

What is the median rent in Chisago County?

The median gross rent in Chisago County is $1,112/mo. This is 22% above state average for Minnesota.

Is Chisago County affordable?

Chisago County is rated Unaffordable based on rent-to-income ratio of 30.0%. Spending over 50% of income on rent is generally considered unaffordable.

How does Chisago County's rent compare to the state average?

Chisago County's median rent of $1,112/mo is 22% above state average of $915/mo for Minnesota.

What is the median home value in Chisago County?

The median home value in Chisago County, Minnesota is $326,600. This is 16% above the national median home value of $281,900.