Median Income
$67,632
10% lower than US avg
Home Value
$234,800
17% lower than US avg
Violent Crime
67/100K
82% lower than US avg
Bachelor's+
18.5%
45% lower than US avg
Median Rent
$1,232
6% higher than US avg
Obesity Rate
33.2%
3% higher than US avg
Unemployment
2.0%
44% lower than US avg
Poverty Rate
7.3%
41% lower than US avg
How Cambridge Compares to the U.S. Average (100% = U.S. avg)
People
Population9,992
Median Age36.8 yrs
Density1,336/mi²
Male / Female49% / 51%
Largest GroupWhite 91%
Veterans8.1%
Economy
A
Median Income$67,632
Per Capita$34,427
Unemployment2.0%
Poverty7.3%
County GDP$1,593M
Commute28 min
Housing
A+
Home Value$234,800
Rent$1,232
Ownership67.0%
Zillow$318,730
Housing Units4,155
Rent Burden34.4%
Crime
F
Violent67/100K
Property4,008/100K
Murder0.0/100K
Assault44/100K
Burglary211/100K
Health
Obesity33.2%
Uninsured8.2%
Smoking16.8%
Depression26.3%
Heart Disease5.3%
Climate
Avg Temp44°F (7°C)
AQI36 (Good)
Rain29.7 in/yr
Sunny Days276/yr
Elevation967 ft (295 m)
Education
C
Bachelor's+18.5%
High School+92.4%
Graduate+4.7%
School Score6.40
Community
2024 VoteR 70% / D 29%
Commute28 min
Broadband86.3%
EV Stations1
Libraries2
Is Cambridge a Good Place to Live?
Based on current data, Cambridge receives an overall livability score of 3.1 out of 5.0, earning a grade of B. Key strengths include low unemployment, low crime rates, affordable housing, abundant sunshine. Cambridge offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Cambridge is $67,632, 10% below the national average of $75,149. The job market is very strong with unemployment at just 2.0%. Only 7.3% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 28 minutes.
Cost of Living & Housing
The median home value in Cambridge is $234,800, 17% below the national median / offering relatively affordable homeownership. Renters pay a median of $1,232 per month. A price-to-income ratio of 3.5x indicates a reasonably affordable housing market.
Safety & Crime
Cambridge is a very safe community with a violent crime rate of 67 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 4,008 per 100,000, 104% above the national average.
Education
18.5% of residents hold a bachelor's degree, below the national average of 33.7%. 92.4% have completed high school. Local schools score 6.4/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
Cambridge has a cool climate with an average annual temperature of 44°F. Winters average 13°F in January while summers reach 71°F in July. With 276 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 29.7 inches, including 44.1 inches of snow. Air quality is rated Good with a median AQI of 36.
Cambridge has a population of 9,992 with a density of 1,336 people per square mile, spread across 7.7 square miles. The median age is 36.8 years, 5% younger than the national median of 38.9. The gender split is 51% female and 49% male. The city is predominantly White (91.4%), with 1.4% Hispanic, 2.2% Black. English is the primary language spoken at home by 96% of residents. 8.1% of the population are veterans, above the national rate of 6.0%. 17.5% of residents have a disability (above the 13.0% national average). 97.3% have health insurance coverage.
Population
36.8yrs
Median Age
5% below US avg
Race & Ethnicity
Cambridge vs U.S. Average
Language Spoken at Home
English Only
96.0%
22% above US avg
Spanish
4.0%
70% below US avg
Social Characteristics
Cambridge vs U.S. Average
The median household income in Cambridge is $67,632, which is 10% below the national average of $75,149. Per capita income is $34,427 (below the $39,052 national figure). The average weekly wage is $960, 33% lower than the U.S. average. The unemployment rate is 2.0% (below the 3.6% US average). 7.3% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 967 business establishments, including 57 restaurants. The cost of living index is 98.6, roughly in line with the national average. Workers commute an average of 28 minutes. 8.5% of workers work from home (below the 15.2% national rate).
Income: Cambridge vs U.S.
Income
| Median HH Income | $67,632 |
| 10% below US avg |
| Per Capita Income | $34,427 |
| Avg Weekly Wage | $960 |
| IRS Avg AGI | $72,836 |
| Gini Index | 0.393 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 2.0% |
| 44% below US avg |
| Poverty Rate | 7.3% |
| 41% below US avg |
| Establishments (County) | 967 |
| County GDP | $1,593M |
Business (County)
| Restaurants | 57 |
| Healthcare | 103 |
| Retail | 120 |
| Manufacturing | 69 |
Tax & Cost of Living
| Property Tax (IRS) | $3,971 |
| 13% above US avg |
| Cost of Living | 98.60 (100=avg) |
| Effective Tax Rate | 1.69% |
Commute & Transportation
| Commute Time | 28.4 min |
| Drive Alone | 74.3% |
| Public Transit | 1.3% |
| Work from Home | 8.5% |
The median home value in Cambridge is $234,800, 17% below the national median of $281,900. Zillow estimates the typical home value at $318,730, higher than the Census estimate. Homes sell for 99.5% of their list price. Monthly rent averages $1,232 (6% above the national average of $1,163). Fair market rent ranges from $899 for a one-bedroom to $1,125 for a two-bedroom apartment. 67.0% of housing units are owner-occupied. There are 4,155 total housing units in the city. The median year a home was built is 1992. The average annual property tax is $3,971. 34.4% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 3.5x.
Home Values
| Census Median | $234,800 |
| 17% below US avg |
| Zillow ZHVI | $318,730 |
| Median List Price | $307,000 |
Real Estate Market (Redfin)
| Median List Price | $307,000 |
| $/Sq Ft | $175 |
| Homes Sold | 10 |
| Sale-to-List Ratio | 99.5% |
| Price Drops | 10.2% |
| Inventory | 49 |
Rental Costs
| Census Median Rent | $1,232 |
| 6% above US avg |
| Rent Burden | 34.4% |
HUD Fair Market Rent
| Studio | $809 |
| 1 Bedroom | $899 |
| 2 Bedrooms | $1,125 |
| 3 Bedrooms | $1,483 |
| 4 Bedrooms | $1,698 |
Ownership & Property
| Homeownership | 67.0% |
| Owner-Occupied | 67.0% |
| Renter-Occupied | 33.0% |
| Housing Units | 4,155 |
| Median Year Built | 1992 |
Property Tax
| Avg Tax (IRS) | $3,971 |
| 13% above US avg |
| Effective Rate | 1.69% |
In Cambridge, 33.2% of adults are obese, above the national rate of 32.1%. 9.1% have diabetes. Heart disease affects 5.3% of residents. 28.4% have high blood pressure. 16.8% are current smokers. 20.0% report binge drinking. 24.6% are physically inactive. 26.3% report depression (above the 20.0% national average). 17.8% experience frequent mental distress. 8.2% of residents lack health insurance. The primary care physician ratio is 1:1,445. The dentist ratio is 1:2,249. 40.1% of residents have access to exercise opportunities. The food environment index is 8.6 out of 10.
Health Metrics: Cambridge vs U.S. Average (%)
Chronic Conditions
| Obesity | 33.2% |
| 3% above US avg |
| Diabetes | 9.1% |
| Heart Disease | 5.3% |
| High Blood Pressure | 28.4% |
| Asthma | 10.5% |
| COPD | 5.7% |
| Cancer | 7.3% |
| Stroke | 2.9% |
Behaviors & Mental Health
| Smoking | 16.8% |
| 20% above US avg |
| Binge Drinking | 20.0% |
| Physical Inactivity | 24.6% |
| Depression | 26.3% |
| Mental Distress | 17.8% |
| Physical Distress | 12.4% |
| Short Sleep | 31.3% |
Healthcare Access
| Insurance Rate | 97.3% |
| Uninsured | 8.2% |
| 5% below US avg |
| Primary Care | 1:1,445 |
| Dentists | 1:2,249 |
| Mental Health | 1:480 |
| Checkup Rate | 71.5% |
| Dental Visits | 65.7% |
| Premature Death | 6,605/100K |
Food & Exercise
| Food Environment | 8.6/10 |
| Exercise Access | 40.1% |
| Healthcare Facilities | 103 |
Cambridge has a violent crime rate of 67 per 100,000 residents, 82% below the national average of 380. This breaks down to aggravated assault at 44.4 per 100,000, robbery at 11.1, rape at 11.1. The murder rate is 0.0 per 100,000 (below the national rate of 6.3). Property crime stands at 4,008 per 100,000, 104% above the U.S. average. This includes larceny/theft at 3,675, burglary at 211, vehicle theft at 122 per 100,000 residents. The county recorded 7 fatal traffic crashes. Overall, Cambridge receives a safety grade of F.
Crime Rates: Cambridge vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 66.6/100K |
| 82% below US avg |
| Murder | 0.0/100K |
| 100% below US avg |
| Rape | 11.1/100K |
| Robbery | 11.1/100K |
| Assault | 44.4/100K |
Property Crime
| Total Property | 4,007.6/100K |
| 104% above US avg |
| Burglary | 210.9/100K |
| Theft | 3,674.5/100K |
| Vehicle Theft | 122.1/100K |
| Arson | 0.0/100K |
Traffic Safety
| Fatal Crashes (County/yr) | 7 |
| Traffic Accidents | 317 |
| Avg Accident Severity | 2.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Cambridge has a cool climate with an average annual temperature of 44°F (7°C). Winters average 13°F in January while summers reach 71°F in July. The area gets 276 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 29.7 inches (drier than the 38-inch national average). The area receives 44.1 inches of snow annually, making winter weather a significant factor for residents. Air quality is rated Good with a median AQI of 36. The city sits at an elevation of 967 feet.
Temperature
13°F Jan (-11°C)
71°F Jul (22°C)
| Annual Average | 44.1°F |
| 18% below US avg |
| January Average | 13°F (-11°C) |
| July Average | 71°F (22°C) |
| Sunny Days | 276 days/yr |
Geography
| Elevation | 967 ft (295 m) |
| Area | 7.7 sq mi (19.9 km²) |
| Population Density | 1,336/sq mi |
| Coordinates | 45.5608°N, 93.2277°W |
| Timezone | America/Chicago |
| County | Isanti County County |
| Nearest Airport | St Cloud Regional (STC)
40 miles away |
Precipitation & Snow
Annual Rainfall
29.7"
22% below US avg
Wettest Month (Jun)
4.37"
Air Quality
| AQI Median | 36.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 26.9 / 100 |
| Social Vulnerability | 10.6 / 100 |
| Community Resilience | 94.6 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Earthquake |
Very Low |
| Wildfire |
Relatively Low |
| Flood |
Relatively Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Low |
| Lightning |
Relatively Low |
| Ice Storm |
Relatively Low |
| Drought |
Relatively Low |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Tornado History
369 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 39 fatalities, 945 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jul 3, 1983 |
EF4 |
39 km |
0 |
| May 6, 1965 |
EF4 |
59 km |
3 |
| May 6, 1965 |
EF4 |
96 km |
3 |
| May 6, 1965 |
EF4 |
83 km |
0 |
| May 6, 1965 |
EF4 |
66 km |
6 |
| May 21, 1957 |
EF4 |
28 km |
0 |
| May 16, 2017 |
EF3 |
90 km |
1 |
| May 25, 2008 |
EF3 |
45 km |
1 |
| Jun 18, 2001 |
EF3 |
51 km |
2 |
| Sep 18, 1997 |
EF3 |
85 km |
1 |
| Jul 1, 1997 |
EF3 |
79 km |
0 |
| Jun 16, 1992 |
EF3 |
99 km |
0 |
| Jul 23, 1987 |
EF3 |
50 km |
0 |
| Apr 26, 1984 |
EF3 |
60 km |
1 |
| Jun 14, 1981 |
EF3 |
82 km |
1 |
| Sep 3, 1980 |
EF3 |
77 km |
1 |
| Jul 30, 1977 |
EF3 |
90 km |
0 |
| Jun 30, 1968 |
EF3 |
72 km |
0 |
| May 24, 1958 |
EF3 |
51 km |
0 |
| Jun 23, 1952 |
EF3 |
49 km |
2 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: UNIT 4 (5,887 ac, 2002).
| Year |
Name |
Acres |
Distance |
| 2002 |
UNIT 4 |
5,887 |
43 km |
| 2003 |
UNITS 37 38 39 A |
4,879 |
37 km |
| 1998 |
UNITS 1617 |
4,649 |
37 km |
| 2005 |
RX HFR 05 |
4,253 |
38 km |
| 2009 |
BU9 |
4,112 |
43 km |
| 2007 |
WUI 07 - UNIT 36 |
4,025 |
37 km |
| 1988 |
UNNAMED |
3,642 |
92 km |
| 2000 |
UNIT 25 |
3,412 |
37 km |
| 2009 |
BU11 |
3,242 |
42 km |
| 1997 |
BIG |
2,987 |
39 km |
| 2009 |
UNNAMED |
2,904 |
35 km |
| 2003 |
UNITS 34 33 W |
2,637 |
38 km |
| 2024 |
UNIT 8E RX |
2,551 |
42 km |
| 1992 |
SHARPTAIL |
2,288 |
39 km |
| 1988 |
UNNAMED |
2,243 |
55 km |
| 2024 |
RX-86_FY23 |
2,187 |
62 km |
| 2010 |
WUI 10 UNIT D |
2,042 |
39 km |
| 1996 |
UNNAMED |
1,906 |
36 km |
| 2000 |
UNNAMED |
1,850 |
38 km |
| 2006 |
UNIT 4 |
1,732 |
42 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
13°F (-11°C) |
0.8 in |
Coldest |
| February |
17°F (-8°C) |
0.7 in |
Driest |
| March |
29°F (-2°C) |
1.5 in |
|
| April |
44°F (7°C) |
2.2 in |
|
| May |
57°F (14°C) |
3.3 in |
|
| June |
66°F (19°C) |
4.4 in |
Wettest |
| July |
71°F (22°C) |
3.8 in |
Warmest |
| August |
68°F (20°C) |
3.9 in |
|
| September |
58°F (15°C) |
3.4 in |
|
| October |
47°F (8°C) |
2.4 in |
|
| November |
30°F (-1°C) |
1.5 in |
|
| December |
16°F (-9°C) |
1.0 in |
|
Cambridge has a seasonal temperature swing of 59°F / from 13°F in January to 71°F in July. Total annual precipitation is 28.8 inches, with June being the wettest month (4.4") and February the driest (0.7").
Average costs for common services in Cambridge. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$247 ($148–$394) |
| Specialist Visit |
$345 ($197–$542) |
| Urgent Care Visit |
$197 ($99–$345) |
| Emergency Room Visit |
$2,169 ($789–$4,930) |
| Dental Cleaning |
$128 ($74–$197) |
| Dental Filling |
$247 ($148–$394) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$44 ($25–$74) |
| Oil Change (Synthetic) |
$74 ($49–$118) |
| Brake Pad Replacement |
$296 ($148–$493) |
| Tire Rotation |
$39 ($20–$74) |
| New Tires (Set of 4) |
$592 ($394–$986) |
| Battery Replacement |
$197 ($99–$345) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$99 ($59–$148) |
| Electrician (Per Hour) |
$89 ($49–$138) |
| HVAC Repair |
$394 ($148–$789) |
| HVAC System Install |
$6,902 ($3,944–$11,832) |
| Roof Repair |
$986 ($394–$1,972) |
| Roof Replacement |
$8,874 ($5,423–$14,790) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,479 ($493–$3,451) |
| Divorce (Contested) |
$14,790 ($4,930–$29,580) |
| DUI Defense |
$4,930 ($1,972–$9,860) |
| Bankruptcy (Chapter 7) |
$1,479 ($789–$2,958) |
| Will Preparation |
$493 ($197–$986) |
| Trust Preparation |
$2,465 ($986–$4,930) |
View all 12 services
Personal Care
| Men's Haircut |
$25 ($15–$44) |
| Women's Haircut |
$54 ($30–$99) |
| Hair Coloring (Full) |
$148 ($74–$247) |
| Manicure |
$25 ($15–$44) |
| Pedicure |
$39 ($25–$64) |
| Massage (1 Hour) |
$79 ($49–$128) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.04 ($2.96–$5.42) |
| Dozen Eggs (per dozen) |
$3.45 ($2.47–$4.93) |
| Loaf of Bread |
$3.75 ($2.47–$5.42) |
| Chicken Breast (per lb) |
$4.44 ($2.96–$6.41) |
| Ground Beef (per lb) |
$5.42 ($3.94–$7.40) |
| Rice (per lb) |
$0.99 ($0.59–$1.77) |
View all 20 services
Utilities
| Electricity (Monthly) |
$138 ($79–$247) |
| Natural Gas (Monthly) |
$69 ($30–$148) |
| Water/Sewer (Monthly) |
$69 ($39–$118) |
| Internet (Monthly) |
$69 ($39–$99) |
| Cell Phone Plan (Monthly) |
$64 ($30–$99) |
| Cable TV (Monthly) |
$84 ($49–$148) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$197 ($74–$493) |
| Car Insurance (Annual) |
$1,972 ($1,183–$3,451) |
| Bus Pass (Monthly) |
$69 ($30–$128) |
| Taxi/Uber (5-Mile Ride) |
$15 ($7.89–$25) |
| Car Registration (Annual) |
$99 ($30–$247) |
| Driver's License Renewal |
$30 ($15–$74) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,183 ($592–$2,465) |
| Daycare (Toddler, Monthly) |
$986 ($493–$1,972) |
| After-School Care (Monthly) |
$394 ($197–$690) |
| Tutoring (Per Hour) |
$49 ($25–$99) |
| SAT/ACT Prep Course |
$986 ($394–$2,465) |
| Private School (K-12, Annual) |
$12,325 ($4,930–$29,580) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$59 ($30–$99) |
| Dog Vaccination (Annual) |
$99 ($49–$197) |
| Dog Grooming |
$59 ($30–$99) |
| Pet Boarding (Per Night) |
$39 ($20–$74) |
| Dog Spay/Neuter |
$296 ($148–$493) |
| Cat Spay/Neuter |
$197 ($99–$394) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $1,016 |
| Toddler | $920 |
| Preschool | $869 |
| Family Childcare (monthly) |
| Infant | $765 |
| Toddler | $650 |
| Preschool | $664 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Cambridge
What is the population of Cambridge?
Cambridge has a population of 9,992 residents and is located in Minnesota. The population density is 1,336 people per square mile, spread across 7.7 square miles. The median age of residents is 36.8 years. The population is 51% female and 49% male.
Is Cambridge expensive to live in?
Cambridge has a cost of living roughly in line with the national average, with an index of 98.6 (baseline: 100). The median household income is $67,632, 10% below the national average of $75,149. The median home value is $234,800 (17% below the U.S. median). Renters pay a median of $1,232 per month. The home price-to-income ratio is 3.5x, indicating housing is reasonably affordable relative to local income levels.
Is Cambridge safe?
Cambridge is considered a very safe city with a violent crime rate of 67 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 4,008 per 100,000 (above the national average). Overall, Cambridge receives a safety grade of F based on combined crime data.
What is the weather like in Cambridge?
Cambridge has a cool climate with an average annual temperature of 44°F (7°C). Winter temperatures average 13°F in January, while summers reach an average of 71°F in July. The area receives 276 sunny days per year, well above the national average of 205. Annual rainfall totals 29.7 inches, with 44.1 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 36.
How is the job market in Cambridge?
The job market in Cambridge is very strong, with unemployment at just 2.0% / well below the national rate of 3.6%. The average weekly wage is $960. There are 967 business establishments in the area, including 57 restaurants and food service locations. The average commute time is 28 minutes, and 8.5% of workers work from home.
How much does housing cost in Cambridge?
The median home value in Cambridge is $234,800. Zillow estimates the typical home value at $318,730. For renters, the median monthly rent is $1,232. Fair market rent is $899 for a 1-bedroom and $1,125 for a 2-bedroom apartment. The homeownership rate is 67.0%. The average annual property tax is $3,971.
How are the schools in Cambridge?
Schools in Cambridge score 6.4 out of 10 on standardized testing, near the national average. 18.5% of adults in Cambridge hold a bachelor's degree or higher, below the national average of 33.7%. 92.4% have completed high school. 4.7% hold a graduate or professional degree.
How healthy is Cambridge?
The obesity rate in Cambridge is 33.2% (above the national rate of 32.1%). 16.8% of adults are smokers. 24.6% are physically inactive. 26.3% of residents report depression. 8.2% lack health insurance. 40.1% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,445.
What is transportation like in Cambridge?
The average commute in Cambridge is 28 minutes. 74.3% of workers drive alone to work, 1.3% use public transit, and 8.5% work from home.
What are the demographics of Cambridge?
The racial and ethnic makeup of Cambridge is 91.4% White, 2.2% Black or African American, 1.4% Hispanic or Latino. 96% of residents speak only English at home, while 4% speak Spanish. 8.1% of the population are military veterans. 17.5% of residents have a disability. 97.3% have health insurance coverage.
All Countries
