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Minneapolis-St. Paul-Bloomington, MN-WI

Cost of living in Mille Lacs County, MN

Part of the Minneapolis Metro Area

Estimated monthly cost
$2,919/mo
for a single person, all categories combined

Population 26,912 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $835 29%
Federal tax $510 17%
Healthcare $480 16%
Groceries $340 12%
Transport $320 11%
State tax $197 7%
Energy $187 6%
Water $50 2%

Rent in Mille Lacs County

Fair Market Rents by bedroom count.

Studio
$830
per month
1 bedroom
$835
per month
2 bedroom
$1,096
per month
3 bedroom
$1,334
per month
4 bedroom
$1,840
per month

Source: HUD FMR FY2025

Income and earnings in Mille Lacs County

Annual earnings figures from the Census ACS.

Household income
$71,455
per year
Individual earnings
$41,253
per year
Per capita
$35,500
per year

Source: ACS 2019-2023 5-Year.

Home values in Mille Lacs County

Average values reported by homeowners.

Average home value
$237,500
Annual property tax
$2,475

Source: ACS 2019-2023 5-Year

Energy costs in Mille Lacs 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 Mille Lacs County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
5.1%

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 Mille Lacs 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 Mille Lacs County

Commute patterns and estimated costs.

Average commute
30.8 min
Drive alone
76.4%
Public transit
1.5%
Work from home
8.9%

Source: ACS

Monthly cost estimates for Mille Lacs County

What it costs to live in Mille Lacs County each month.

Single person
$2,919
per month
  • Rent $835
  • Energy $187
  • Water $50
  • Groceries $340
  • Transport $320
  • Healthcare $480
  • Federal tax $510
  • State tax $197
Couple
$4,435
per month
  • Rent $1,096
  • Energy $224
  • Water $60
  • Groceries $563
  • Transport $420
  • Healthcare $864
  • Federal tax $839
  • State tax $369
Family
$6,817
per month
  • Rent $1,334
  • Energy $280
  • Water $70
  • Groceries $855
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $839
  • State tax $369

Frequently asked questions about Mille Lacs County

Common questions about cost of living, rent and salary.

What is the average rent in Mille Lacs County?

In Mille Lacs County, MN, a one-bedroom apartment averages $835 per month, a two-bedroom averages $1,096 per month, a three-bedroom averages $1,334 per month, according to HUD Fair Market Rent data.

What is the average salary in Mille Lacs County?

In Mille Lacs County, MN, the average household income is $71,455 per year and individual earnings for full-time workers average $41,253 per year, according to U.S. Census Bureau data.

What is the cost of living in Mille Lacs County?

The estimated cost of living in Mille Lacs County, MN is approximately $2,919 per month for a single person, $4,435 for a couple, $6,817 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Mille Lacs County?

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

Is Mille Lacs County an affordable place to live?

Based on the data, a single person in Mille Lacs County, MN would need approximately $2,919 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $71,455 per year ($5,955 per month). Mille Lacs County is relatively affordable compared to the national average.

How much does healthcare cost in Mille Lacs County?

The ACA marketplace benchmark premium in Mille Lacs County, MN is approximately $480 per month for an individual. Approximately 5.1% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Mille Lacs County?

The average home value in Mille Lacs County, MN is $237,500, with average annual property taxes of $2,475, according to U.S. Census Bureau data.

How does Mille Lacs County compare to other areas?

You can compare Mille Lacs County, MN with any other US county using our comparison tool at /compare. Mille Lacs County is in the Minneapolis-St. Paul-Bloomington, MN-WI metro area.

Other counties in Minnesota

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

See all counties in Minnesota

Compare Mille Lacs County with another area

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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