Median Income
$121,452
62% higher than US avg
Home Value
$359,600
28% higher than US avg
Violent Crime
77/100K
80% lower than US avg
Bachelor's+
39.3%
17% higher than US avg
Median Rent
$1,644
41% higher than US avg
Obesity Rate
32.6%
2% higher than US avg
Unemployment
2.5%
31% lower than US avg
Poverty Rate
2.7%
78% lower than US avg
How Cottage Grove Compares to the U.S. Average (100% = U.S. avg)
People
Population40,124
Median Age36.8 yrs
Density1,193/mi²
Male / Female50% / 50%
Largest GroupWhite 77%
Veterans6.7%
Economy
A+
Median Income$121,452
Per Capita$47,794
Unemployment2.5%
Poverty2.7%
County GDP$1,545M
Commute25 min
Housing
A+
Home Value$359,600
Rent$1,644
Ownership88.4%
Zillow$391,506
Housing Units13,413
Rent Burden33.0%
Crime
F
Violent77/100K
Property1,572/100K
Murder0.0/100K
Assault21/100K
Burglary133/100K
Health
Obesity32.6%
Uninsured6.5%
Smoking11.6%
Depression24.0%
Heart Disease4.4%
Climate
Avg Temp46°F (8°C)
AQI36 (Good)
Rain33.3 in/yr
Sunny Days270/yr
Elevation892 ft (272 m)
Education
A
Bachelor's+39.3%
High School+95.4%
Graduate+10.4%
School Score6.08
Community
2024 VoteR 57% / D 40%
Commute25 min
Broadband94.9%
EV Stations2
Libraries5
Is Cottage Grove a Good Place to Live?
Based on current data, Cottage Grove receives an overall livability score of 3.8 out of 5.0, earning a grade of B+. Key strengths include above-average household incomes, low unemployment, low crime rates, a highly educated population. Cottage Grove offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Cottage Grove is $121,452, which is significantly higher than the national average / 62% above $75,149. This places Cottage Grove among higher-income communities. The job market is very strong with unemployment at just 2.5%. Only 2.7% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 25 minutes.
Cost of Living & Housing
The median home value in Cottage Grove is $359,600, 28% above the national median. Renters pay a median of $1,644 per month, significantly above the national average of $1,163. At just 3x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Cottage Grove is a very safe community with a violent crime rate of 77 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 1,572 per 100,000, near the national average.
Education
Educational attainment is solid, with 39.3% holding a bachelor's degree or higher, near the national average. 95.4% have completed high school. Local schools score 6.1/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
Cottage Grove experiences four distinct seasons with an average temperature of 46°F. Winters average 15°F in January while summers reach 73°F in July. With 270 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 33.3 inches. Air quality is rated Good with a median AQI of 36.
Cottage Grove has a population of 40,124 with a density of 1,193 people per square mile, spread across 37.5 square miles. The median age is 36.8 years, 5% younger than the national median of 38.9. The gender split is 49.6% female and 50.4% male. The city is predominantly White (76.9%), with 5.7% Black. English is the primary language spoken at home by 89.1% of residents, while 10.9% speak Spanish. 6.7% of the population are veterans. 8.6% of residents have a disability (below the 13.0% national average). 97.8% have health insurance coverage.
Population
36.8yrs
Median Age
5% below US avg
Race & Ethnicity
Cottage Grove vs U.S. Average
Language Spoken at Home
English Only
89.1%
14% above US avg
Spanish
10.9%
19% below US avg
Social Characteristics
Cottage Grove vs U.S. Average
The median household income in Cottage Grove is $121,452, which is 62% above the national average of $75,149. Per capita income is $47,794 (above the $39,052 national figure). The average weekly wage is $913, 36% lower than the U.S. average. The unemployment rate is 2.5% (below the 3.6% US average). 2.7% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 1,024 business establishments, including 110 restaurants. The cost of living index is 98.6, roughly in line with the national average. Workers commute an average of 25 minutes. 19.3% of workers work from home (above the 15.2% national rate).
Income: Cottage Grove vs U.S.
Income
| Median HH Income | $121,452 |
| 62% above US avg |
| Per Capita Income | $47,794 |
| Avg Weekly Wage | $913 |
| IRS Avg AGI | $86,110 |
| Gini Index | 0.400 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 2.5% |
| 31% below US avg |
| Poverty Rate | 2.7% |
| 78% below US avg |
| Establishments (County) | 1,024 |
| County GDP | $1,545M |
Business (County)
| Restaurants | 110 |
| Healthcare | 78 |
| Retail | 97 |
| Manufacturing | 50 |
Tax & Cost of Living
| Property Tax (IRS) | $5,822 |
| 66% above US avg |
| Cost of Living | 98.60 (100=avg) |
| Effective Tax Rate | 1.62% |
Commute & Transportation
| Commute Time | 24.6 min |
| Drive Alone | 71.3% |
| Public Transit | 0.8% |
| Work from Home | 19.3% |
The median home value in Cottage Grove is $359,600, 28% above the national median of $281,900. Zillow estimates the typical home value at $391,506. Homes sell for 100.7% of their list price, indicating a competitive market where bidding wars are common. Monthly rent averages $1,644 (41% 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. 88.4% of housing units are owner-occupied (above the 65.4% national rate). There are 13,413 total housing units in the city. The median year a home was built is 1988. The average annual property tax is $5,822 (higher than the $3,500 national average). 33.0% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 3x, well within the affordable range.
Home Values
| Census Median | $359,600 |
| 28% above US avg |
| Zillow ZHVI | $391,506 |
| Median List Price | $428,742 |
Real Estate Market (Redfin)
| Median List Price | $428,742 |
| $/Sq Ft | $207 |
| Homes Sold | 44 |
| Sale-to-List Ratio | 100.7% |
| Price Drops | 32.7% |
| Inventory | 107 |
Rental Costs
| Census Median Rent | $1,644 |
| 41% above US avg |
| Zillow Rent (ZORI) | $1,876 |
| Rent Burden | 33.0% |
HUD Fair Market Rent
| Studio | $809 |
| 1 Bedroom | $899 |
| 2 Bedrooms | $1,125 |
| 3 Bedrooms | $1,483 |
| 4 Bedrooms | $1,698 |
Ownership & Property
| Homeownership | 88.4% |
| Owner-Occupied | 88.4% |
| Renter-Occupied | 11.6% |
| Housing Units | 13,413 |
| Median Year Built | 1988 |
Property Tax
| Avg Tax (IRS) | $5,822 |
| 66% above US avg |
| Effective Rate | 1.62% |
In Cottage Grove, 32.6% of adults are obese, above the national rate of 32.1%. 8.8% have diabetes (below the 10.5% national rate). Heart disease affects 4.4% of residents, below the national average. 26.0% have high blood pressure. 11.6% are current smokers. 17.9% report binge drinking. 19.0% are physically inactive, below the national average. 24.0% report depression (above the 20.0% national average). 14.8% experience frequent mental distress. 6.5% of residents lack health insurance (below the 8.6% national rate). The primary care physician ratio is 1:2,662. The dentist ratio is 1:2,363. 73.5% of residents have access to exercise opportunities. The food environment index is 9.1 out of 10.
Air Quality (Open-Meteo CAMS — 2026-05-21)
PM2.5
6.4
μg/m³
Fine particulate
PM10
7.1
μg/m³
Coarse particulate
NO₂
6.5
μg/m³
Nitrogen dioxide
SO₂
0.7
μg/m³
Sulphur dioxide
CO
139.0
μg/m³
Carbon monoxide
Health Metrics: Cottage Grove vs U.S. Average (%)
Chronic Conditions
| Obesity | 32.6% |
| 2% above US avg |
| Diabetes | 8.8% |
| Heart Disease | 4.4% |
| High Blood Pressure | 26.0% |
| Asthma | 9.5% |
| COPD | 4.0% |
| Cancer | 7.2% |
| Stroke | 2.4% |
Behaviors & Mental Health
| Smoking | 11.6% |
| 17% below US avg |
| Binge Drinking | 17.9% |
| Physical Inactivity | 19.0% |
| Depression | 24.0% |
| Mental Distress | 14.8% |
| Physical Distress | 9.6% |
| Short Sleep | 26.8% |
Healthcare Access
| Insurance Rate | 97.8% |
| Uninsured | 6.5% |
| 24% below US avg |
| Primary Care | 1:2,662 |
| Dentists | 1:2,363 |
| Mental Health | 1:1,229 |
| Checkup Rate | 73.6% |
| Dental Visits | 72.7% |
| Premature Death | 5,140/100K |
Food & Exercise
| Food Environment | 9.1/10 |
| Exercise Access | 73.5% |
| Healthcare Facilities | 78 |
Cottage Grove has a violent crime rate of 77 per 100,000 residents, 80% below the national average of 380. This breaks down to aggravated assault at 21.3 per 100,000, robbery at 13.3, rape at 42.6. The murder rate is 0.0 per 100,000 (below the national rate of 6.3). Property crime stands at 1,572 per 100,000, 20% below the U.S. average. This includes larceny/theft at 1,356, burglary at 133, vehicle theft at 83 per 100,000 residents. The county recorded 4 fatal traffic crashes. Overall, Cottage Grove receives a safety grade of F.
Crime Rates: Cottage Grove vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 77.3/100K |
| 80% below US avg |
| Murder | 0.0/100K |
| 100% below US avg |
| Rape | 42.6/100K |
| Robbery | 13.3/100K |
| Assault | 21.3/100K |
Property Crime
| Total Property | 1,571.9/100K |
| 20% below US avg |
| Burglary | 133.2/100K |
| Theft | 1,356.1/100K |
| Vehicle Theft | 82.6/100K |
| Arson | 0.0/100K |
Traffic Safety
| Fatal Crashes (County/yr) | 4 |
| Traffic Accidents | 493 |
| Avg Accident Severity | 2.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Cottage Grove experiences four distinct seasons with an average annual temperature of 46°F (8°C). Winters average 15°F in January while summers reach 73°F in July. The area gets 270 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 33.3 inches. Air quality is rated Good with a median AQI of 36. The city sits at an elevation of 892 feet.
Temperature
15°F Jan (-10°C)
73°F Jul (23°C)
| Annual Average | 46.0°F |
| 15% below US avg |
| January Average | 15°F (-10°C) |
| July Average | 73°F (23°C) |
| Sunny Days | 270 days/yr |
Geography
| Elevation | 892 ft (272 m) |
| Area | 37.5 sq mi (97.1 km²) |
| Population Density | 1,193/sq mi |
| Coordinates | 44.8133°N, 92.9143°W |
| Timezone | America/Chicago |
| County | Pierce County County |
| Nearest Airport | Minneapolis-St Paul International/Wold-Chamberlain (MSP) 16 miles away |
Precipitation & Snow
Annual Rainfall
33.3"
12% below US avg
Wettest Month (Jun)
4.06"
Air Quality
| AQI Median | 36.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 42.3 / 100 |
| Social Vulnerability | 10.6 / 100 |
| Community Resilience | 53.8 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Moderate |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Low |
| Lightning |
Relatively Low |
| Ice Storm |
Very Low |
| Drought |
Relatively Low |
| Cold Wave |
Relatively Low |
| Landslide |
Relatively Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
1 earthquake (M2.5+) within 150 km since 1990.
Strongest: M2.8. Most recent: M2.8 on Apr 25, 2017.
| Apr 25, 2017 |
Near Mankato, Minnesota |
M2.8 |
111 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
487 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 54 fatalities, 1,199 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jun 4, 1958 |
EF5 |
47 km |
21 |
| Jul 3, 1983 |
EF4 |
55 km |
0 |
| May 6, 1965 |
EF4 |
38 km |
3 |
| May 6, 1965 |
EF4 |
66 km |
3 |
| May 6, 1965 |
EF4 |
41 km |
6 |
| May 6, 1965 |
EF4 |
49 km |
0 |
| May 21, 1957 |
EF4 |
85 km |
0 |
| Sep 24, 2019 |
EF3 |
97 km |
0 |
| May 16, 2017 |
EF3 |
77 km |
1 |
| May 25, 2008 |
EF3 |
42 km |
1 |
| May 15, 1998 |
EF3 |
90 km |
0 |
| Mar 29, 1998 |
EF3 |
98 km |
0 |
| Jul 1, 1997 |
EF3 |
93 km |
0 |
| Jul 27, 1987 |
EF3 |
31 km |
0 |
| Jul 23, 1987 |
EF3 |
58 km |
0 |
| Apr 26, 1984 |
EF3 |
34 km |
1 |
| Jun 14, 1981 |
EF3 |
28 km |
1 |
| Jul 30, 1977 |
EF3 |
68 km |
0 |
| May 24, 1958 |
EF3 |
38 km |
0 |
| Jun 23, 1952 |
EF3 |
71 km |
2 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: UNITS 37 38 39 A (4,879 ac, 2003).
| Year |
Name |
Acres |
Distance |
| 2003 |
UNITS 37 38 39 A |
4,879 |
95 km |
| 1998 |
UNITS 1617 |
4,649 |
100 km |
| 2005 |
RX HFR 05 |
4,253 |
99 km |
| 2007 |
WUI 07 - UNIT 36 |
4,025 |
94 km |
| 2000 |
UNIT 25 |
3,412 |
94 km |
| 2009 |
BU11 |
3,242 |
100 km |
| 1997 |
BIG |
2,987 |
97 km |
| 2009 |
UNNAMED |
2,904 |
52 km |
| 2003 |
UNITS 34 33 W |
2,637 |
95 km |
| 1992 |
SHARPTAIL |
2,288 |
95 km |
| 2010 |
WUI 10 UNIT D |
2,042 |
94 km |
| 1996 |
UNNAMED |
1,906 |
94 km |
| 2009 |
UNIT 23 24 26 |
1,644 |
97 km |
| 1995 |
ANTLER |
1,603 |
94 km |
| 2024 |
SNAKE TRAIL |
1,496 |
88 km |
| 1992 |
UNIT 25 |
1,460 |
95 km |
| 1987 |
UNNAMED |
1,280 |
95 km |
| 2009 |
HFR 08 - UNIT 20 |
1,168 |
99 km |
| 2006 |
UNIT 12 E |
1,068 |
98 km |
| 1993 |
HELITORCH |
1,041 |
97 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
15°F (-10°C) |
0.8 in |
Coldest |
| February |
19°F (-7°C) |
0.7 in |
Driest |
| March |
31°F (-0°C) |
1.7 in |
|
| April |
46°F (8°C) |
2.6 in |
|
| May |
59°F (15°C) |
3.5 in |
|
| June |
68°F (20°C) |
4.1 in |
Wettest |
| July |
73°F (23°C) |
4.0 in |
Warmest |
| August |
70°F (21°C) |
3.8 in |
|
| September |
61°F (16°C) |
3.3 in |
|
| October |
49°F (9°C) |
2.3 in |
|
| November |
33°F (0°C) |
1.7 in |
|
| December |
19°F (-8°C) |
1.0 in |
|
Cottage Grove has a seasonal temperature swing of 58°F / from 15°F in January to 73°F in July. Total annual precipitation is 29.5 inches, with June being the wettest month (4.1") and February the driest (0.7").
Average costs for common services in Cottage Grove. 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 | $909 |
| Toddler | $823 |
| Preschool | $823 |
| Family Childcare (monthly) |
| Infant | $671 |
| Toddler | $650 |
| Preschool | $650 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Cottage Grove
What is the population of Cottage Grove?
Cottage Grove has a population of 40,124 residents and is located in Minnesota. The population density is 1,193 people per square mile, spread across 37.5 square miles. The median age of residents is 36.8 years. The population is 49.6% female and 50.4% male.
Is Cottage Grove expensive to live in?
Cottage Grove 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 $121,452, 62% above the national average of $75,149. The median home value is $359,600 (28% above the U.S. median). Renters pay a median of $1,644 per month, above the national average of $1,163. The home price-to-income ratio is 3x, indicating housing is reasonably affordable relative to local income levels.
Is Cottage Grove safe?
Cottage Grove is considered a very safe city with a violent crime rate of 77 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 1,572 per 100,000 (below the national average). Overall, Cottage Grove receives a safety grade of F based on combined crime data.
What is the weather like in Cottage Grove?
Cottage Grove has a four-season climate with an average annual temperature of 46°F (8°C). Winter temperatures average 15°F in January, while summers reach an average of 73°F in July. The area receives 270 sunny days per year, well above the national average of 205. Annual rainfall totals 33.3 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 36.
How is the job market in Cottage Grove?
The job market in Cottage Grove is very strong, with unemployment at just 2.5% / well below the national rate of 3.6%. The average weekly wage is $913. There are 1,024 business establishments in the area, including 110 restaurants and food service locations. The average commute time is 25 minutes, and 19.3% of workers work from home.
How much does housing cost in Cottage Grove?
The median home value in Cottage Grove is $359,600. Zillow estimates the typical home value at $391,506. For renters, the median monthly rent is $1,644. Fair market rent is $899 for a 1-bedroom and $1,125 for a 2-bedroom apartment. The homeownership rate is 88.4%. The average annual property tax is $5,822.
How are the schools in Cottage Grove?
Schools in Cottage Grove score 6.1 out of 10 on standardized testing, near the national average. 39.3% of adults in Cottage Grove hold a bachelor's degree or higher, above the national average of 33.7%. 95.4% have completed high school. 10.4% hold a graduate or professional degree.
How healthy is Cottage Grove?
The obesity rate in Cottage Grove is 32.6% (above the national rate of 32.1%). 11.6% of adults are smokers. 19.0% are physically inactive. 24.0% of residents report depression. 6.5% lack health insurance (below the national rate). 73.5% of residents have access to exercise opportunities. The primary care physician ratio is 1:2,662.
What is transportation like in Cottage Grove?
The average commute in Cottage Grove is 25 minutes, shorter than the national average of 28 minutes. 71.3% of workers drive alone to work, and 19.3% work from home.
What are the demographics of Cottage Grove?
The racial and ethnic makeup of Cottage Grove is 76.9% White, 5.7% Black or African American, 1% Hispanic or Latino. 89.1% of residents speak only English at home, while 10.9% speak Spanish. 6.7% of the population are military veterans. 8.6% of residents have a disability. 97.8% have health insurance coverage.