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Minnesota

Cost of living in Cottonwood County, MN

Estimated monthly cost
$2,771/mo
for a single person, all categories combined

Population 11,458 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $746 27%
Healthcare $480 17%
Federal tax $466 17%
Groceries $340 12%
Transport $320 12%
Energy $187 7%
State tax $182 7%
Water $50 2%

Rent in Cottonwood County

Fair Market Rents by bedroom count.

Studio
$640
per month
1 bedroom
$746
per month
2 bedroom
$933
per month
3 bedroom
$1,211
per month
4 bedroom
$1,347
per month

Source: HUD FMR FY2025

Income and earnings in Cottonwood County

Annual earnings figures from the Census ACS.

Household income
$68,239
per year
Individual earnings
$38,570
per year
Per capita
$34,105
per year

Source: ACS 2019-2023 5-Year.

Home values in Cottonwood County

Average values reported by homeowners.

Average home value
$154,000
Annual property tax
$1,737

Source: ACS 2019-2023 5-Year

Energy costs in Cottonwood County

Estimated monthly electricity and gas costs.

Electricity
$124
per month · 15.5¢/kWh
Natural gas
$63
per month
Annual total
$2,244
per year

Source: EIA

Healthcare in Cottonwood County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
5.4%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Cottonwood County

State and local tax rates for Minnesota.

State income tax
9.8%
Top marginal rate
State sales tax
6.9%
Combined sales tax
7.5%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Cottonwood County

Commute patterns and estimated costs.

Average commute
16.0 min
Drive alone
74.2%
Public transit
0.2%
Work from home
10.1%

Source: ACS

Monthly cost estimates for Cottonwood County

What it costs to live in Cottonwood County each month.

Single person
$2,771
per month
  • Rent $746
  • Energy $187
  • Water $50
  • Groceries $340
  • Transport $320
  • Healthcare $480
  • Federal tax $466
  • State tax $182
Couple
$4,201
per month
  • Rent $933
  • Energy $224
  • Water $60
  • Groceries $563
  • Transport $420
  • Healthcare $864
  • Federal tax $787
  • State tax $350
Family
$6,623
per month
  • Rent $1,211
  • Energy $280
  • Water $70
  • Groceries $855
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $787
  • State tax $350

Frequently asked questions about Cottonwood County

Common questions about cost of living, rent and salary.

What is the average rent in Cottonwood County?

In Cottonwood County, MN, a one-bedroom apartment averages $746 per month, a two-bedroom averages $933 per month, a three-bedroom averages $1,211 per month, according to HUD Fair Market Rent data.

What is the average salary in Cottonwood County?

In Cottonwood County, MN, the average household income is $68,239 per year and individual earnings for full-time workers average $38,570 per year, according to U.S. Census Bureau data.

What is the cost of living in Cottonwood County?

The estimated cost of living in Cottonwood County, MN is approximately $2,771 per month for a single person, $4,201 for a couple, $6,623 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Cottonwood County?

The combined sales tax rate in Cottonwood County, MN is 7.54%, which includes the Minnesota state rate of 6.88% plus an average local rate of 0.66%.

Is Cottonwood County an affordable place to live?

Based on the data, a single person in Cottonwood County, MN would need approximately $2,771 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $68,239 per year ($5,687 per month). Cottonwood County is relatively affordable compared to the national average.

How much does healthcare cost in Cottonwood County?

The ACA marketplace benchmark premium in Cottonwood County, MN is approximately $480 per month for an individual. Approximately 5.4% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Cottonwood County?

The average home value in Cottonwood County, MN is $154,000, with average annual property taxes of $1,737, according to U.S. Census Bureau data.

How does Cottonwood County compare to other areas?

You can compare Cottonwood County, MN with any other US county using our comparison tool at /compare. Cottonwood County is in Minnesota.

Other counties in Minnesota

Browse the full list of counties in Minnesota, ranked by cost of living.

See all counties in Minnesota

Compare Cottonwood County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources