Cost Of Living in Elbow Lake, MN

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13%

Overall NAT. AVG.

2%

Groceries NAT. AVG.

44%

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	Elbow Lake	Minnesota	National
Cost of living	87	100	100
Groceries	102	100	100
Health care	98	100	100
Housing	56	100	100
Transportation	101	100	100
Utilities	103	104	100
Lifestyle & Entertainment	100	100	100
Household Items	102	100	100
Education & Childcare	98	99	100

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Homes For Sale In Elbow Lake, MN

219 9th Ave SE

Elbow Lake, MN

31271 247th Ave

Wendell, MN

21 10th Ave NE

Elbow Lake, MN

TBD 230th Ave

Herman, MN

Cost Of Living Quick Facts

The cost of living in Elbow Lake is 13% lower than the Minnesota average
The cost of living in Elbow Lake is 13% lower than the national average
Elbow Lake housing is 44% lower 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	$92,423	$7,702	$2,156	$2,773
Renters	$40,896	$3,408	$954	$1,227

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.
Norcross, MN	66	101	0.7%
Elbow Lake CDP, MN	70	78	21.6%
Wendell, MN	134	80	20.3%
Kensington, MN	234	83	16.6%
Herman, MN	534	84	16.2%
Elbow Lake, MN	1,197	87	12.8%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Trappe, MD	1,197	111	11.3%
Centreville, MI	1,197	86	13.7%
Mesita, NM	1,197	82	17.9%
Wolfhurst, OH	1,197	82	17.5%
Saint-Barnabé, QC	1,197	n/a
Elbow Lake, MN	1,197	87	12.8%