Cost Of Living in Finland, MN

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9%

Overall NAT. AVG.

0%

Groceries NAT. AVG.

33%

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	Finland	Minnesota	National
Cost of living	91	100	100
Groceries	100	100	100
Health care	99	100	100
Housing	67	100	100
Transportation	104	100	100
Utilities	107	104	100
Lifestyle & Entertainment	97	100	100
Household Items	100	100	100
Education & Childcare	98	99	100

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Homes For Sale In Finland, MN

TBD Little Marais Rd

Finland, MN

6800 Salveson Rd

Finland, MN

66XX Roses Rd

Crystal Bay Township, MN

TBD American BLVD

Finland, MN

Cost Of Living Quick Facts

The cost of living in Finland is 10% lower than the Minnesota average
The cost of living in Finland is 9% lower than the national average
Finland housing is 33% 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	$63,361	$5,280	$1,478	$1,901
Renters	$83,534	$6,961	$1,949	$2,506

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.
Silver Bay, MN	1,669	89	10.7%
Beaver Bay, MN	65	100	0.0%
Finland, MN	216	91	9.5%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Cantwell, AK	216	110	9.6%
Kaltag, AK	216	102	1.8%
Adin, CA	216	104	4.2%
Tecopa, CA	216	88	11.9%
Campbellton, FL	216	82	17.8%
Finland, MN	216	91	9.5%

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.

Cost of Living in Finland, MN

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Median Income & Debt-To-Income Ratio

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Nearby cities with low cost of living

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