Cost Of Living in Big Lake CDP, MN

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A

1%

Overall NAT. AVG.

1%

Groceries NAT. AVG.

2%

Housing NAT. AVG.

Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.

The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index	Big Lake CDP	Minnesota	National
Cost of living	101	100	100
Groceries	101	100	100
Health care	102	100	100
Housing	102	100	100
Transportation	97	100	100
Utilities	104	104	100
Lifestyle & Entertainment	102	100	100
Household Items	99	100	100
Education & Childcare	97	99	100

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Cost Of Living Quick Facts

The cost of living in Big Lake CDP is 1% higher than the Minnesota average
The cost of living in Big Lake CDP is 1% higher than the national average
Big Lake CDP housing is 2% higher than the national average
Minnesota general sales tax is 35% higher than the national average
Minnesota state income tax is 106% higher than the national average

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Price difference in compared to

Cost of living index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Lifestyle index
Household index
Educare index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$114,079	$9,507	$2,662	$3,423
Renters	$28,757	$2,396	$671	$863

A good indicator of the general affordability of housing in Big Lake CDP, MN, is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In Big Lake CDP, the median monthly income is $114,079 for those who own their own homes. Under the standard rule, that income level would allow for $2,662 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $28,757, per the median income in the area. That would allow for renters to spend up to $671 on monthly rental expenses.

Minnesota Sales Tax

State	General Sales Tax	With Max Surtax
Minnesota	6.875%	7.875%

Minnesota Income Tax

State	Income Tax (Low)	Income Tax (High)
Minnesota	5.35%	9.85%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Maple Lake, MN	2,208	97	3.1%
Clearwater, MN	1,690	99	0.7%
Silver Creek, MN	201	100	0.2%
Clear Lake, MN	692	100	0.2%
Becker, MN	5,061	101	1.3%
Big Lake CDP, MN	390	101	1.0%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Nances Creek, AL	390	95	4.7%
Turin, GA	390	114	14.0%
Fort Atkinson, IA	390	87	13.3%
Lee, IL	390	92	7.6%
Hall Summit, LA	390	81	19.2%
Big Lake CDP, MN	390	101	1.0%