Otsego 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. Paul
Opportunity
55 · Bottom 49%
vs46 · Bottom 27%
Growth
73 · Top 13%
vs36 · Bottom 25%
Climate
54 · Bottom 3%
vs55 · Bottom 5%
Physical resilience
70 · Top 36%
vs93 · Top 8%
Housing affordability
97 · Top 16%
vs82 · Top 48%
Access
76 · Bottom 18%
vs97 · Top 29%
Economic stability
86 · Top 1%
vs59 · Bottom 47%
Measured values
| Metric | Otsego | St. Paul | Source period |
|---|---|---|---|
| Population | 22,245 | 307,284 | 2024 ACS 5-Year |
| Median household income | $119,927 | $73,394 | 2024 ACS 5-Year |
| Per capita income | $48,748 | $42,815 | 2024 ACS 5-Year |
| Population density | 751/sq mi | 5,912/sq mi | 2024 ACS 5-Year |
| Median home value | $396,700 | $294,500 | 2024 ACS 5-Year |
| Median gross rent | $1,765 | $1,281 | 2024 ACS 5-Year |
| Homeownership rate | 92.7% | 52.9% | 2024 ACS 5-Year |
| Unemployment rate | 4.6% | 4.4% | June 2026 |
| Employment change (year over year) | -1.7% | -2.0% | June 2026 |
| Bachelor's degree or higher | 40.0% | 43.8% | 2024 ACS 5-Year |
| Poverty rate | 3.5% | 15.6% | 2024 ACS 5-Year |
| Housing units permitted (12 months) | 253 | 437 | 12 months ending July 2026 |
| Permits per 1,000 residents | 11.4 | 1.4 | 12 months ending July 2026 |
| Permit change (year over year) | -8.3% | 46.6% | 12 months ending July 2026 |
| Average July high | 83°F | 83°F | 1991-2020 Normals |
| Average January low | 7°F | 9°F | 1991-2020 Normals |
| Annual precipitation | 30.7" | 29.2" | 1991-2020 Normals |
| Distance to major airport | 33 mi | 7 mi | NASR current cycle |
| Average commute | 32.7 min | 22.8 min | 2024 ACS 5-Year |
| Median age | 34.9 | 33.7 | 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. Paul
Elevated or high exposure: hail.
Full profiles: Otsego, MN · St. Paul, MN · How this is calculated: methodology