City profile · Minnesota · Census ACS 2023

Two Harbors, MN

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

3,598
Residents
$62,885
Median income
$187,100
Median home
$1,277
Median rent (state)

Two Harbors - the verdict

Two Harbors ranks in the 40th percentile for household income and the 81st percentile for safety nationally, out of every US city with at least 1,000 residents. Source: Census ACS + FBI UCR.

40th
percentile, household income
39th
percentile, home value
44th
percentile, median rent
81st
percentile, safety
📝 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: Two Harbors, MN

Census ACS 2023 estimates count 3,598 residents in Two Harbors, a small town within Minnesota. Median household income here is $62,885 per year, below the median for U.S. cities on this measure, with a poverty rate of 9.7%. Home values in Two Harbors run a median of $187,100, and the median resident age is 41.5 years. Educational attainment runs 21.5% of adults with a bachelor's degree or higher. Separately, 58.7% of working-age residents are in the labor force.

In 2024, 1 residential building permits were authorized in Two Harbors (Stable), up 0% from five years earlier, per Census BPS data. Two Harbors reports a comparatively low crime rate: FBI UCR reporting places total crime at 600.3 incidents per 100,000 residents, below the national average (voluntary agency reporting, reflects reporting activity, not a definitive danger score). NOAA climate normals record an annual average temperature of 41.3°F with 31.7 inches of precipitation per year and 61.0 inches of snowfall.

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). HUD Fair Market Rent for a typical two-bedroom in this state is $1,277 per month. Monthly utility costs average around $225 across Minnesota, per EIA 2023 residential energy estimates. On FEMA's National Risk Index, this area rates 33.9 out of 100 for natural-hazard exposure (Very Low).

Population

3,598 residents

Census ACS 2023 - Minnesota

Median Household Income

$62,885 /yr

Poverty 9.7%

Cost of Living Index (state)

98.6 (US=100)

Near Average - BEA RPP 2024, Minnesota average

How does Two Harbors compare to other US cities?

Where Two Harbors sits among all US cities (population 1,000+) on each measure, computed live from Census and FBI data.

Household income 40% higher than other cities
Home value 39% pricier than other cities
Median rent 44% pricier than other cities
Safety 81% safer than other cities

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

A national percentile can hide a lot of local variation: narrowed to Minnesota alone, Two Harbors ranks #84 of 229 Minnesota cities by lowest crime rate - a different, more locally useful comparison than stacking it against the entire country.

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 Two Harbors'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.

40thIncome percentile
81stSafety percentile

40th percentile nationally for median household income · 81st percentile for safety (lower crime rate). Source: Census ACS 2023 / FBI UCR 2023.

Two Harbors's profile vs. every US city

Income, affordability, and safety percentile

Two Harbors's percentile rank on 3 favorable-direction measures (income, affordability, safety) vs. every tracked US city -- higher on every axis is more favorable. Not a composite quality score, just the arithmetic mean of the axes shown. 3-axis radar comparing 1 series across Income, Affordability, Safety. IncomeAffordabilitySafety 60 Avg. percentile National median
Two Harbors's percentile rank on 3 favorable-direction measures (income, affordability, safety) vs. every tracked US city -- higher on every axis is more favorable. Not a composite quality score, just the arithmetic mean of the axes shown.

How Two Harbors's home value compares nationally

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

$187,100 Among the most affordable more affordable than 61% 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%). This entry sits in this band. $200,000–$225,000: 1,035 US cities (7%). Above this entry. $225,000–$250,000: 976 US cities (6%). Above this entry. $250,000–$275,000: 754 US cities (5%). Above this entry. $275,000–$300,000: 712 US cities (5%). Above this entry. $300,000–$325,000: 521 US cities (3%). Above this entry. $325,000–$350,000: 526 US cities (3%). Above this entry. $350,000–$375,000: 465 US cities (3%). Above this entry. $375,000–$400,000: 393 US cities (3%). Above this entry. $400,000–$425,000: 317 US cities (2%). Above this entry. $425,000–$450,000: 300 US cities (2%). Above this entry. $450,000–$475,000: 307 US cities (2%). Above this entry. $475,000–$500,000: 250 US cities (2%). Above this entry. $500,000–$525,000: 160 US cities (1%). Above this entry. $525,000–$550,000: 156 US cities (1%). Above this entry. $550,000–$575,000: 172 US cities (1%). Above this entry. $575,000–$600,000: 172 US cities (1%). Above this entry. $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. Two Harbors $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 - Two Harbors, MN Two Harbors, MN's reported median household income shown against the U.S. national quintile-share pattern (not Two Harbors, 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 Two Harbors, MN median $62,885/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%
Two Harbors, 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 Two Harbors, MN. Diagonal = perfect equality.

Key socioeconomic indicators

Bachelor's degree or higher (adults 25+) 21.5%

Census ACS S1501, educational attainment

Poverty rate (households below FPL) 9.7%

Census ACS S1701, poverty status

Labor force participation (adults 16+) 58.7%

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

Population
3,598
Median Income
$62,885
Median Home Value
$187,100
Median Age
41.5
Poverty Rate
9.7%
Labor force participation
58.7%
Bachelor's Degree+
21.5%

Safety & Crime

Total Crime Rate
600.3
per 100,000 residents
Violent Crime
0.0
per 100,000 residents
Property Crime
600.3
per 100,000 residents

Reflects incidents reported to the FBI's Uniform Crime Reporting program — agency participation is voluntary and reporting completeness varies by jurisdiction and year, so this reflects reporting activity, not a definitive danger score. Not adjusted for tourism, commuter, or daytime population.

Climate

Avg Temperature
41.3°F
Annual Precipitation
31.7"
Annual Snowfall
61.0"

Schools

Total Schools
2
Public schools in this city

Population Change

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

See the fastest-growing cities →
3,400 residents3,500 residents3,600 residents3,700 residents 202020212022202320242025 3,632 residents 3,443 residents ▼ -5.2%
Two Harbors's Census PEP population estimates, 2020–2025.

Housing Supply

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

🏗️ Stable
Total Permits (2024)
1
housing units authorized
Single-Family
1
detached homes
Multifamily
0
apartments & condos
Supply Intensity
0.3
permits per 1,000 residents

5-Year Permit Trend (2019–2024)

Year Total
2019 1
2020 0
2021 4
2022 2
2023 3
2024 1

Permit volume increased 0% from 2019 to 2024.

Commute Patterns

How workers travel to work, Census ACS 2023

Drive Alone
77.5%
Carpool
8.7%
Public Transit
0.6%
Walk
8.3%
Work from Home
4.1%
Other
0.8%

Based on 1,624 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 Two Harbors sits in

Cost of Living Index
98.6
Near Average
US average = 100 · BEA RPP 2024
Typical 2-BR Rent
$1,277/mo
HUD Fair Market Rent
County-level FMR estimate
Natural Hazard Risk
33.9 / 100
Very Low
FEMA NRI composite score (county)

Similar Cities in Minnesota

Melrose
3,608 people
Perham
3,577 people
St. Augusta
3,576 people
Long Prairie
3,683 people
Pine Island
3,693 people
Independence
3,695 people

Cities of a Similar Size Nationwide

Population-matched peers from other states, closest to Two Harbors's 3,598 residents (Census ACS 5-Year 2023).

Marin, CA
3,597 people
East Sandwich, MA
3,597 people
Ballinger, TX
3,599 people
Shenandoah, TX
3,597 people
Clifton Knolls-Mill Creek, NY
3,601 people
North Lakeville, MA
3,602 people

Cities with a Similar Household Income Nationwide

Median-household-income-matched peers from other states, closest to Two Harbors's $62,885 (Census ACS 5-Year 2023, table B19013).

Delevan, NY
$62,887 median income
Hazel Park, MI
$62,878 median income
Sanford, FL
$62,877 median income
Houston, TX
$62,894 median income
Garden Acres, CA
$62,895 median income
Park City, IL
$62,875 median income

Race & Ethnicity Composition

Race and ethnicity - Two Harbors, 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 Two Harbors, MN - Census ACS, OMB race + ethnicity categories RACE, sums to 100% 94.1% ETHNICITY, Hispanic or Latino (any race) 2.1% White 94.1% Black or African American 1.1% Asian 0.0% American Indian 0.4% Native Hawaiian 0.0% Some other race 0.6% Two or more races 3.8% 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 Two Harbors 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
Two Harbors (this city) 3,598 $62,885
Melrose 3,608 $58,107
Perham 3,577 $47,088
St. Augusta 3,576 $116,384
Census ACS 5-year FIPS MN FBI UCR NOAA Normals NCES CCD Census BPS 2024 OMB Bulletin 23-01

What do people ask about Two Harbors, MN?

What is the population of Two Harbors, MN? +

Two Harbors, MN counts 3,598 residents according to U.S. Census Bureau ACS 2023 estimates.

What is the median household income in Two Harbors, MN? +

In Two Harbors, the typical household earns $62,885 per year, based on Census ACS 2023 data.

What is the cost of living in Two Harbors? +

BEA does not publish a city-level cost-of-living figure for Two Harbors; 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.

Is Two Harbors, MN safe? +

Two Harbors has a total crime rate of 600.3 per 100,000 residents, which is below the national average. This reflects incidents reported to the FBI UCR program, not a definitive safety score -- agency reporting is voluntary and completeness varies by jurisdiction.

What is the median home value in Two Harbors, MN? +

The median home value in Two Harbors is $187,100, according to Census ACS 2023 estimates.

What is the climate like in Two Harbors? +

Climate normals put Two Harbors's yearly average temperature at 41.3°F, 31.7 inches of precipitation, and 61.0 inches of snowfall per year. Source: NOAA Climate Normals.

Source: U.S. Census Bureau ACS 5-Year 2023, FBI UCR, NOAA Climate Normals, NCES CCD, 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.