St. Michael receives the higher standardized Area Score. That reflects AreaProfile's weighting, not a judgment about which place is better to live in.
Signals
Otsego
St. Michael
Opportunity
55 · Bottom 49%
vs56 · Top 49%
Growth
73 · Top 13%
vs75 · Top 10%
Climate
54 · Bottom 3%
vs54 · Bottom 3%
Physical resilience
70 · Top 36%
vs70 · Top 36%
Housing affordability
97 · Top 16%
vs100 · Top 8%
Access
76 · Bottom 18%
vs77 · Bottom 18%
Economic stability
86 · Top 1%
vs88 · Top 1%
Measured values
| Metric | Otsego | St. Michael | Source period |
|---|---|---|---|
| Population | 22,245 | 20,010 | 2024 ACS 5-Year |
| Median household income | $119,927 | $131,274 | 2024 ACS 5-Year |
| Per capita income | $48,748 | $54,378 | 2024 ACS 5-Year |
| Population density | 751/sq mi | 612/sq mi | 2024 ACS 5-Year |
| Median home value | $396,700 | $390,100 | 2024 ACS 5-Year |
| Median gross rent | $1,765 | $1,483 | 2024 ACS 5-Year |
| Homeownership rate | 92.7% | 90.1% | 2024 ACS 5-Year |
| Unemployment rate | 4.6% | 4.6% | June 2026 |
| Employment change (year over year) | -1.7% | -1.7% | June 2026 |
| Bachelor's degree or higher | 40.0% | 43.7% | 2024 ACS 5-Year |
| Poverty rate | 3.5% | 3.2% | 2024 ACS 5-Year |
| Housing units permitted (12 months) | 253 | 309 | 12 months ending July 2026 |
| Permits per 1,000 residents | 11.4 | 15.4 | 12 months ending July 2026 |
| Permit change (year over year) | -8.3% | 7.3% | 12 months ending July 2026 |
| Average July high | 83°F | 83°F | 1991-2020 Normals |
| Average January low | 7°F | 7°F | 1991-2020 Normals |
| Annual precipitation | 30.7" | 30.7" | 1991-2020 Normals |
| Distance to major airport | 33 mi | 32 mi | NASR current cycle |
| Average commute | 32.7 min | 30.8 min | 2024 ACS 5-Year |
| Median age | 34.9 | 37.6 | 2024 ACS 5-Year |
A bolded value is the more favorable of the two where the metric has a clear direction. Metrics like population and density have no inherent better or worse and are shown unweighted.
Physical risk tradeoff
Otsego
Elevated or high exposure: strong wind, hail.
St. Michael
Elevated or high exposure: strong wind, hail.
Your best match
Weight what matters to you. Your preferences stay in this browser and never change either Area Score.
Otsego
73
Your Score
69
Area Score
St. Michael
75
Your Score
72
Area Score
Select your priorities to see which of the two fits them better.
Full profiles: Otsego, MN · St. Michael, MN · How this is calculated: methodology