Cost of Living in Fertile, MN

With a cost of living index of 64, Fertile, MN is one of the most affordable cities in the country. Living here is 36% cheaper than the national average and 19% below the Minnesota state average of 82. Fertile is a small community of 782 residents.

Housing costs are the biggest factor in Fertile's cost of living. The median monthly rent is $783 (41% below the US median of $1,319), and the median home value sits at $118,400 (61% below the national median of $304,900). At current prices, the median home costs roughly 1.8x the median household income — well within traditional affordability guidelines.

The median household income in Fertile is $64,444, which is 14% lower than the national median of $75,149. Residents spend roughly 15% of household income on rent. This is a comfortable ratio, well below the 30% threshold that financial experts recommend as a maximum. Lower incomes here are balanced by the significantly lower cost of living, stretching each dollar further.

Climate is another factor for anyone considering a move to Fertile. The area sees an average annual temperature of 42.2°F, with summers averaging 69°F and winters around 13°F. Annual rainfall totals 24 inches spread over roughly 109 days. Cold winters mean higher heating bills, an important cost-of-living consideration.

Everyday prices in the Grand Forks, ND-MN (Metropolitan Statistical Area) metro area are generally below the national average. Out of 6 common items tracked by the Bureau of Labor Statistics, 6 are priced lower than the US average. These real-world prices — from groceries to electricity — add up and should be factored into any cost of living comparison.

Data sources: US Census Bureau (ACS 2023), Zillow Home Values, HUD Fair Market Rents, BEA Regional Price Parities, BLS Average Prices, and NOAA Climate Normals. Updated monthly.