Lutsen, MN vs Warsaw, MN

Lutsen, MN and Warsaw, MN have a very similar cost of living, with only a 2.5% difference in their overall index. Lutsen scores 93 while Warsaw scores 91 on the cost of living index, where 100 represents the national average. The day-to-day expenses for residents in both cities are comparable, though differences emerge when looking at specific categories.

On the housing front, median rent in Lutsen is $1,013/month compared to $1,188/month in Warsaw — a 15% difference. Interestingly, home values tell a different story: while Lutsen has cheaper rent, Warsaw actually has lower median home values ($255,000 vs $347,500).

Median household income in Lutsen is $78,750 compared to $115,313 in Warsaw (-31.7%). Warsaw offers a double advantage: higher earnings combined with a lower cost of living, giving residents significantly more purchasing power. Looking at affordability, residents of Lutsen spend roughly 15.4% of their income on rent, more than the 12.4% in Warsaw.

Climate-wise, Warsaw is notably warmer with an average of 46.7°F compared to 39.5°F in Lutsen. Warsaw receives more rainfall at 30.6" per year compared to 25.9" in Lutsen.