City profile · Minnesota · Census ACS 2023

Credit River, MN

Population, income, housing, safety, climate and schools for Credit River - drawn straight from Census ACS, FBI UCR, NOAA, NCES, HUD and FEMA, refreshed on the 2024–2025 release cycle.

5,531
Residents
$149,524
Median income
$577,600
Median home
$1,709
Median rent (state)

Credit River - the verdict

Out of every US city with 1,000+ residents, Credit River places in the 94th percentile for household income. Source: Census ACS.

94th
percentile, household income
88th
percentile, home value
68th
percentile, median rent
📝 How we sourced this

Population, income, and housing-cost figures come from the U.S. Census Bureau American Community Survey 5-year estimates (B-series tables). Crime data uses FBI UCR; climate uses NOAA Climate Normals; school counts come from NCES Common Core of Data; permits use the Census Building Permits Survey (BPS). See our methodology page for the full ETL pipeline and OMB / FIPS join keys.

Data Snapshot: Credit River, MN

Credit River is a small town in Minnesota, home to 5,531 residents per U.S. Census Bureau ACS 2023 estimates. Credit River households earn a median of $149,524 annually, placing it in the top quartile of U.S. cities for household income, with a poverty rate of 0.9%. Credit River's housing stock carries a median value of $577,600, and the median resident age is 43.0 years. About 46.5% of adults hold a bachelor's degree or higher, while 74.6% of working-age residents are in the labor force.

Housing supply pressure shows in Census Building Permit Survey data: 20 residential units were authorized in 2024 (Building Boom), up 67% from five years earlier.

Minnesota tracks close to the national cost-of-living baseline: BEA Regional Price Parities 2024 puts Minnesota at 98.6 on a 100-equals-national-average scale (Near Average). A typical two-bedroom carries a HUD Fair Market Rent of $1,709 per month statewide. EIA 2023 residential energy data puts Minnesota's average monthly utility costs around $225 (state average). On FEMA's National Risk Index, this area rates 76.6 out of 100 for natural-hazard exposure (High).

Population

5,531 residents

Census ACS 2023 - Minnesota

Median Household Income

$149,524 /yr

Poverty 0.9%

Cost of Living Index (state)

98.6 (US=100)

Near Average - BEA RPP 2024, Minnesota average

How does Credit River compare to other US cities?

Credit River measured against every US city with 1,000+ residents, computed live from the same Census and FBI data shown throughout this page.

Household income 94% higher than other cities
Home value 88% pricier than other cities
Median rent 68% pricier than other cities

"Safer than" reflects total crime rate from FBI UCR; the others use Census ACS estimates.

How we calculate these percentiles & ranks

For each metric we count every US city with population 1,000+ and a non-null value, then compute what share of them fall below Credit River's value: round(cities-below ÷ total × 100). Safety is inverted (percentile = share of cities with a higher crime rate) so a higher number always means safer. The in-state rank narrows that same crime-rate comparison to only the cities PlainCities tracks in Minnesota, breaking ties alphabetically. See the methodology page for the full source-to-figure lineage.

94thIncome percentile

94th percentile nationally for median household income. Source: Census ACS 2023 / FBI UCR 2023.

How Credit River's home value compares nationally

Median home value vs. every US city (population 1,000+)

$577,600 12th percentile more affordable than 12% of 15,600 US cities

$0–$25,000: 5 US cities (0%). Below this entry. $25,000–$50,000: 54 US cities (0%). Below this entry. $50,000–$75,000: 352 US cities (2%). Below this entry. $75,000–$100,000: 1,086 US cities (7%). Below this entry. $100,000–$125,000: 1,516 US cities (10%). Below this entry. $125,000–$150,000: 1,170 US cities (8%). Below this entry. $150,000–$175,000: 1,278 US cities (8%). Below this entry. $175,000–$200,000: 1,229 US cities (8%). Below this entry. $200,000–$225,000: 1,035 US cities (7%). Below this entry. $225,000–$250,000: 976 US cities (6%). Below this entry. $250,000–$275,000: 754 US cities (5%). Below this entry. $275,000–$300,000: 712 US cities (5%). Below this entry. $300,000–$325,000: 521 US cities (3%). Below this entry. $325,000–$350,000: 526 US cities (3%). Below this entry. $350,000–$375,000: 465 US cities (3%). Below this entry. $375,000–$400,000: 393 US cities (3%). Below this entry. $400,000–$425,000: 317 US cities (2%). Below this entry. $425,000–$450,000: 300 US cities (2%). Below this entry. $450,000–$475,000: 307 US cities (2%). Below this entry. $475,000–$500,000: 250 US cities (2%). Below this entry. $500,000–$525,000: 160 US cities (1%). Below this entry. $525,000–$550,000: 156 US cities (1%). Below this entry. $550,000–$575,000: 172 US cities (1%). Below this entry. $575,000–$600,000: 172 US cities (1%). This entry sits in this band. $600,000–$625,000: 163 US cities (1%). Above this entry. $625,000–$650,000: 167 US cities (1%). Above this entry. $650,000–$675,000: 135 US cities (1%). Above this entry. $675,000–$700,000: 101 US cities (1%). Above this entry. $700,000–$725,000: 95 US cities (1%). Above this entry. $725,000–$750,000: 71 US cities (0%). Above this entry. $750,000–$775,000: 65 US cities (0%). Above this entry. $775,000–$800,000: 70 US cities (0%). Above this entry. $800,000–$825,000: 57 US cities (0%). Above this entry. $825,000–$850,000: 67 US cities (0%). Above this entry. $850,000–$875,000: 60 US cities (0%). Above this entry. $875,000–$900,000: 58 US cities (0%). Above this entry. $900,000–$925,000: 47 US cities (0%). Above this entry. $925,000–$950,000: 37 US cities (0%). Above this entry. $950,000–$975,000: 31 US cities (0%). Above this entry. $975,000–$1,000,000: 470 US cities (3%). Above this entry. $1,000,000–$1,025,000: 0 US cities (0%). Above this entry. Credit River $0 $1,025,000 every US city, bucketed by value

Each bar is a $25K-wide band; taller bars hold more US cities. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau ACS 5-Year Estimates · 2023

Income distribution context

Household income distribution - Credit River, MN Credit River, MN's reported median household income shown against the U.S. national quintile-share pattern (not Credit River, MN-specific quintile data). The Lorenz curve traces the national cumulative income share against cumulative population share, perfect equality is the diagonal; observed inequality bows below. $ Household Income Distribution Credit River, MN median $149,524/yr, vs. U.S. national quintile pattern QUINTILE SHARE OF AGGREGATE INCOME Lowest 20% 3.4% Second 20% 9.2% Middle 20% 15.1% Fourth 20% 23.2% Top 20% 49.1% LORENZ CURVE cumulative income vs. population 100% 0% 100% pop. 0%
Credit River, MN's median household income (Census ACS 5-year estimate) plotted against the U.S. national income-quintile distribution pattern for context; the quintile shares and Lorenz curve are national figures, not computed specifically for Credit River, MN. Diagonal = perfect equality.

Key socioeconomic indicators

Bachelor's degree or higher (adults 25+) 46.5%

Census ACS S1501, educational attainment

Poverty rate (households below FPL) 0.9%

Census ACS S1701, poverty status

Labor force participation (adults 16+) 74.6%

Census ACS S2301, share of working-age residents in the labor force

Population
5,531
Median Income
$149,524
Median Home Value
$577,600
Median Age
43.0
Poverty Rate
0.9%
Labor force participation
74.6%
Bachelor's Degree+
46.5%

Population Change

Annual U.S. Census Bureau Population Estimates Program (PEP) estimates, 2020–2025

See the fastest-growing cities →
5,450 residents5,500 residents5,550 residents5,600 residents5,650 residents5,700 residents 202020212022202320242025 5,500 residents 5,644 residents ▲ +2.6%
Credit River's Census PEP population estimates, 2020–2025.

Housing Supply

Census Bureau Building Permits Survey (BPS) - annual residential permits authorized

📈 Building Boom
Total Permits (2024)
20
housing units authorized
Single-Family
20
detached homes
Multifamily
0
apartments & condos
Supply Intensity
3.6
permits per 1,000 residents

5-Year Permit Trend (2019–2024)

Year Total
2021 12
2022 37
2023 18
2024 20

Permit volume increased 67% from 2021 to 2024.

Commute Patterns

How workers travel to work, Census ACS 2023

Drive Alone
73.7%
Carpool
1.1%
Public Transit
0.8%
Walk
0.3%
Work from Home
17.4%
Other
6.7%

Based on 3,266 workers 16 and over.

Monthly Utility Costs

State-average estimates for Minnesota - EIA 2023 residential energy data

Electricity
$95
avg/month
Natural Gas
$85
avg/month
Water & Sewer
$45
avg/month
Total Utilities
$225
estimated/month

Estimates reflect Minnesota state averages. Actual costs vary by home size, usage, and local rates. Source: U.S. Energy Information Administration (EIA) 2023.

Living Costs & Risk

Cost of living is a Minnesota state average from BEA; rent and hazard risk are county-level figures from HUD and FEMA for the county Credit River sits in

Cost of Living Index
98.6
Near Average
US average = 100 · BEA RPP 2024
Typical 2-BR Rent
$1,709/mo
HUD Fair Market Rent
County-level FMR estimate
Natural Hazard Risk
76.6 / 100
High
FEMA NRI composite score (county)

Similar Cities in Minnesota

St. Paul Park
5,464 people
Chisago City
5,629 people
Glencoe
5,702 people
International Falls
5,728 people
Montevideo
5,303 people
La Crescent
5,266 people

Cities of a Similar Size Nationwide

Population-matched peers from other states, closest to Credit River's 5,531 residents (Census ACS 5-Year 2023).

Columbia Falls, MT
5,531 people
Rothschild, WI
5,532 people
Locust, NC
5,529 people
Greenville, PA
5,533 people
DeWitt, IA
5,535 people
Somerdale, NJ
5,535 people

Cities with a Similar Household Income Nationwide

Median-household-income-matched peers from other states, closest to Credit River's $149,524 (Census ACS 5-Year 2023, table B19013).

Eden, UT
$149,539 median income
East Atlantic Beach, NY
$149,559 median income
Mountain City, TX
$149,432 median income
Morris Plains, NJ
$149,623 median income
Rosedale, WA
$149,632 median income
Hobart, WA
$149,635 median income

Race & Ethnicity Composition

Race and ethnicity - Credit River, MN Race categories sum to one hundred percent per Census methodology. Hispanic or Latino is shown separately as an ethnicity overlay; it cuts across all race categories per OMB Directive 15. Race & Ethnicity Composition Credit River, MN - Census ACS, OMB race + ethnicity categories RACE, sums to 100% 92.4% ETHNICITY, Hispanic or Latino (any race) 1.1% White 92.4% Black or African American 0.0% Asian 2.5% American Indian 0.0% Native Hawaiian 0.0% Some other race 1.6% Two or more races 3.5% Per OMB Directive 15: Hispanic/Latino ethnicity is reported separately from the race categories.
Race categories sum to 100%. Hispanic or Latino ethnicity is reported separately and cuts across race per Census/OMB methodology.

City-level race and ethnicity, Census ACS 5-year 2023 (tables B02001, B03001), OMB Directive 15 categories.

How Credit River compares to nearby Minnesota cities

Population + median household income, sourced from Census Bureau ACS 5-year B01001 (population) and B19013 (median household income).

City Population Median Household Income
Credit River (this city) 5,531 $149,524
St. Paul Park 5,464 $98,670
Chisago City 5,629 $96,964
Glencoe 5,702 $63,967
Census ACS 5-year FIPS MN Census BPS 2024 OMB Bulletin 23-01

What do people ask about Credit River, MN?

What is the population of Credit River, MN? +

Credit River, MN has a population of 5,531 according to U.S. Census Bureau ACS 2023 estimates.

What is the median household income in Credit River, MN? +

Median annual household income in Credit River runs $149,524, based on Census ACS 2023 data.

What is the cost of living in Credit River? +

BEA does not publish a city-level cost-of-living figure for Credit River; the closest available measure is the Minnesota state average, a cost of living index of 98.6 (U.S. average = 100), rated "Near Average" based on BEA Regional Price Parities 2024 data. Costs within Minnesota vary by metro area.

What is the median home value in Credit River, MN? +

Credit River's median home value sits at $577,600, according to Census ACS 2023 estimates.

Source: U.S. Census Bureau ACS 5-Year 2023, Census BPS 2024, Census ACS B08301/B08136, U.S. Energy Information Administration (EIA) 2023, BEA Regional Price Parities 2024, HUD Fair Market Rents 2026, FEMA National Risk Index.

Read our methodology - how this data is sourced, computed, and verified.

Primary sources: Census ACS, FBI UCR, NOAA Climate Normals, NCES.

Citation & verification links Data sourced from the U.S. Census Bureau. See our methodology for details. Retrieved and formatted by PlainCities Editorial

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Every figure on PlainCities is rendered directly from Census ACS source data, no number is typed in by an editor. This page draws directly on Census ACS source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.