Cost of Living in Zumbrota, MN

With a cost of living index of 77, Zumbrota, MN is a very affordable place to live. Living here is 23% cheaper than the national average and 5% below the Minnesota state average of 82. Zumbrota is a small community of 3,843 residents.

Housing costs are the biggest factor in Zumbrota's cost of living. The median monthly rent is $785 (40% below the US median of $1,319), and the median home value sits at $235,800 (23% below the national median of $304,900). At current prices, the median home costs roughly 2.4x the median household income — well within traditional affordability guidelines.

The median household income in Zumbrota is $96,818, which is 29% higher than the national median of $75,149. Residents spend roughly 10% of household income on rent. This is a comfortable ratio, well below the 30% threshold that financial experts recommend as a maximum.

Climate is another factor for anyone considering a move to Zumbrota. The area sees an average annual temperature of 44.8°F, with summers averaging 69°F and winters around 18°F. Annual rainfall totals 34.7 inches spread over roughly 124 days. Cold winters mean higher heating bills, an important cost-of-living consideration.

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.