Median Income
$110,833
47% higher than US avg
Home Value
$350,600
24% higher than US avg
Violent Crime
19/100K
95% lower than US avg
Bachelor's+
47.6%
41% higher than US avg
Median Rent
$888
24% lower than US avg
Obesity Rate
24.0%
25% lower than US avg
Unemployment
1.0%
72% lower than US avg
Poverty Rate
6.8%
45% lower than US avg
How Loretto Compares to the U.S. Average (100% = U.S. avg)
People
Population805
Median Age35.6 yrs
Density3,096/mi²
Male / Female49% / 51%
Largest GroupWhite 94%
Veterans3.6%
Economy
A+
Median Income$110,833
Per Capita$57,931
Unemployment1.0%
Poverty6.8%
County GDP$193,617M
Commute30 min
Housing
A+
Home Value$350,600
Rent$888
Ownership82.7%
Zillow$379,396
Housing Units289
Rent Burden26.3%
Crime
F
Violent19/100K
Property1,942/100K
Health
Obesity24.0%
Uninsured4.9%
Smoking8.4%
Depression27.0%
Heart Disease3.9%
Climate
Avg Temp45°F (7°C)
AQI36 (Good)
Sunny Days258/yr
Elevation1,017 ft (310 m)
Education
A+
Bachelor's+47.6%
High School+95.6%
Graduate+12.4%
School Score6.15
Community
2024 VoteR 28% / D 70%
Commute30 min
Broadband93.7%
EV Stations1
Libraries41
Is Loretto a Good Place to Live?
Based on current data, Loretto receives an overall livability score of 3.9 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. Loretto offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Loretto is $110,833, which is significantly higher than the national average / 47% above $75,149. This places Loretto among higher-income communities. The job market is very strong with unemployment at just 1.0%. Only 6.8% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 30 minutes.
Cost of Living & Housing
The median home value in Loretto is $350,600, 24% above the national median. Renters pay a median of $888 per month, below the national average / a plus for affordability. A price-to-income ratio of 3.2x indicates a reasonably affordable housing market.
Safety & Crime
Loretto is a very safe community with a violent crime rate of 19 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 1,942 per 100,000, near the national average.
Education
Educational attainment is solid, with 47.6% holding a bachelor's degree or higher, near the national average. 95.6% have completed high school. Local schools score 6.2/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
Loretto has a cool climate with an average annual temperature of 45°F. Winters average 14°F in January while summers reach 72°F in July. With 258 sunny days per year, residents enjoy well above the national average of sunshine. Air quality is rated Good with a median AQI of 36.
Loretto has a population of 805 with a density of 3,096 people per square mile, spread across 0.3 square miles. The median age is 35.6 years, 8% younger than the national median of 38.9. The gender split is 51.3% female and 48.7% male. The city is predominantly White (93.8%), with 5% Black. English is the primary language spoken at home by 96% of residents. 3.6% of the population are veterans, below the national rate of 6.0%. 5.5% of residents have a disability (below the 13.0% national average). 97.3% have health insurance coverage.
Population
35.6yrs
Median Age
8% below US avg
Language Spoken at Home
English Only
96.0%
22% above US avg
Spanish
4.0%
70% below US avg
The median household income in Loretto is $110,833, which is 47% above the national average of $75,149. Per capita income is $57,931 (above the $39,052 national figure). The average weekly wage is $1,734, 21% higher than the U.S. average. The unemployment rate is 1.0% (below the 3.6% US average). 6.8% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 44,785 business establishments, including 3,018 restaurants. The cost of living index is 98.6, roughly in line with the national average. Workers commute an average of 30 minutes. 17.2% of workers work from home.
Income
| Median HH Income | $110,833 |
| 47% above US avg |
| Per Capita Income | $57,931 |
| Avg Weekly Wage | $1,734 |
| IRS Avg AGI | $115,538 |
| Gini Index | 0.479 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 1.0% |
| 72% below US avg |
| Poverty Rate | 6.8% |
| 45% below US avg |
| Establishments (County) | 44,785 |
| County GDP | $193,617M |
Business (County)
| Restaurants | 3,018 |
| Healthcare | 5,330 |
| Retail | 3,721 |
| Manufacturing | 1,443 |
Tax & Cost of Living
| Property Tax (IRS) | $7,736 |
| 121% above US avg |
| Cost of Living | 98.60 (100=avg) |
| Effective Tax Rate | 2.21% |
Commute & Transportation
| Commute Time | 29.8 min |
| Drive Alone | 76.5% |
| Public Transit | 0.7% |
| Work from Home | 17.2% |
The median home value in Loretto is $350,600, 24% above the national median of $281,900. Zillow estimates the typical home value at $379,396. Monthly rent averages $888 (24% below the national average of $1,163). Fair market rent ranges from $899 for a one-bedroom to $1,125 for a two-bedroom apartment. 82.7% of housing units are owner-occupied (above the 65.4% national rate). There are 289 total housing units in the city. The median year a home was built is 1989. The average annual property tax is $7,736 (higher than the $3,500 national average). 26.3% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 3.2x.
Home Values
| Census Median | $350,600 |
| 24% above US avg |
| Zillow ZHVI | $379,396 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $888 |
| 24% below US avg |
| Rent Burden | 26.3% |
HUD Fair Market Rent
| Studio | $809 |
| 1 Bedroom | $899 |
| 2 Bedrooms | $1,125 |
| 3 Bedrooms | $1,483 |
| 4 Bedrooms | $1,698 |
Ownership & Property
| Homeownership | 82.7% |
| Owner-Occupied | 82.7% |
| Renter-Occupied | 17.3% |
| Housing Units | 289 |
| Median Year Built | 1989 |
Property Tax
| Avg Tax (IRS) | $7,736 |
| 121% above US avg |
| Effective Rate | 2.21% |
In Loretto, 24.0% of adults are obese, below the national rate of 32.1%. 5.5% have diabetes (below the 10.5% national rate). Heart disease affects 3.9% of residents, below the national average. 23.3% have high blood pressure. 8.4% are current smokers (below the 14.0% national rate). 22.4% report binge drinking. 13.2% are physically inactive, below the national average. 27.0% report depression (above the 20.0% national average). 13.7% experience frequent mental distress. 4.9% of residents lack health insurance (below the 8.6% national rate). The primary care physician ratio is 1:832. The dentist ratio is 1:946. 99.1% of residents have access to exercise opportunities. The food environment index is 9.2 out of 10.
Health Metrics: Loretto vs U.S. Average (%)
Chronic Conditions
| Obesity | 24.0% |
| 25% below US avg |
| Diabetes | 5.5% |
| Heart Disease | 3.9% |
| High Blood Pressure | 23.3% |
| Asthma | 9.3% |
| COPD | 3.1% |
| Cancer | 7.7% |
| Stroke | 2.0% |
Behaviors & Mental Health
| Smoking | 8.4% |
| 40% below US avg |
| Binge Drinking | 22.4% |
| Physical Inactivity | 13.2% |
| Depression | 27.0% |
| Mental Distress | 13.7% |
| Physical Distress | 7.9% |
| Short Sleep | 24.0% |
Healthcare Access
| Insurance Rate | 97.3% |
| Uninsured | 4.9% |
| 43% below US avg |
| Primary Care | 1:832 |
| Dentists | 1:946 |
| Mental Health | 1:164 |
| Checkup Rate | 72.9% |
| Dental Visits | 76.8% |
| Premature Death | 6,600/100K |
Food & Exercise
| Food Environment | 9.2/10 |
| Exercise Access | 99.1% |
| Healthcare Facilities | 5,330 |
Loretto has a violent crime rate of 19 per 100,000 residents, 95% below the national average of 380. Property crime stands at 1,942 per 100,000, 1% below the U.S. average. The county recorded 60 fatal traffic crashes. Overall, Loretto receives a safety grade of F.
Crime Rates: Loretto vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 18.9/100K |
| 95% below US avg |
| |
Property Crime
| Total Property | 1,941.9/100K |
| 1% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 60 |
| Traffic Accidents | 9 |
| Avg Accident Severity | 2.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Loretto has a cool climate with an average annual temperature of 45°F (7°C). Winters average 14°F in January while summers reach 72°F in July. The area gets 258 sunny days per year, above the national average. Air quality is rated Good with a median AQI of 36. The city sits at an elevation of 1,017 feet.
Temperature
14°F Jan (-10°C)
72°F Jul (22°C)
| Annual Average | 44.5°F |
| 18% below US avg |
| January Average | 14°F (-10°C) |
| July Average | 72°F (22°C) |
| Sunny Days | 258 days/yr |
Geography
| Elevation | 1,017 ft (310 m) |
| Area | 0.3 sq mi (0.7 km²) |
| Population Density | 3,096/sq mi |
| Coordinates | 45.0548°N, 93.6353°W |
| Timezone | America/Chicago |
| County | Hennepin County County |
| Nearest Airport | Minneapolis-St Paul International/Wold-Chamberlain (MSP)
23 miles away |
Precipitation & Snow
Wettest Month (Jun)
4.29"
Air Quality
| AQI Median | 36.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
| Ozone (O₃) | 0.0419 ppm |
| NO₂ (Nitrogen Dioxide) | 16.9 ppb |
| SO₂ (Sulfur Dioxide) | 0.78 ppb |
| CO (Carbon Monoxide) | 0.45 ppm |
| PM2.5 (Fine Particles) | 9.7 μg/m³ |
Natural Hazard Risk
| Overall Risk | Relatively High |
| Risk Score | 98.3 / 100 |
| Social Vulnerability | 20.3 / 100 |
| Community Resilience | 98.1 / 100 |
Hazard Breakdown
| Tornado |
Very High |
| Earthquake |
Very Low |
| Wildfire |
Relatively Low |
| Flood |
Relatively High |
| Hail |
Very High |
| Strong Wind |
Very High |
| Heat Wave |
Relatively High |
| Winter Weather |
Very High |
| Lightning |
Relatively High |
| Ice Storm |
Relatively Moderate |
| Drought |
Relatively Low |
| Cold Wave |
Very High |
| Landslide |
Relatively Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
2 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.1. Most recent: M2.8 on Apr 25, 2017.
| Feb 9, 1994 |
6 km NNE of Blomkest, Minnesota |
M3.1 |
107 km |
| Apr 25, 2017 |
Near Mankato, Minnesota |
M2.8 |
101 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
507 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 38 fatalities, 1,157 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jul 3, 1983 |
EF4 |
31 km |
0 |
| May 6, 1965 |
EF4 |
32 km |
3 |
| May 6, 1965 |
EF4 |
22 km |
6 |
| May 6, 1965 |
EF4 |
24 km |
0 |
| May 6, 1965 |
EF4 |
28 km |
3 |
| May 21, 1957 |
EF4 |
84 km |
0 |
| Jun 19, 1951 |
EF4 |
61 km |
1 |
| May 25, 2008 |
EF3 |
48 km |
1 |
| Mar 29, 1998 |
EF3 |
96 km |
1 |
| Mar 29, 1998 |
EF3 |
84 km |
0 |
| Jul 1, 1997 |
EF3 |
31 km |
0 |
| Jun 16, 1992 |
EF3 |
47 km |
0 |
| Jul 27, 1987 |
EF3 |
90 km |
0 |
| Jul 23, 1987 |
EF3 |
16 km |
0 |
| Apr 26, 1984 |
EF3 |
32 km |
1 |
| Jun 14, 1981 |
EF3 |
39 km |
1 |
| Sep 3, 1980 |
EF3 |
70 km |
1 |
| May 6, 1965 |
EF3 |
59 km |
0 |
| May 24, 1958 |
EF3 |
55 km |
0 |
| Jun 23, 1952 |
EF3 |
89 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 |
51 km |
| 2003 |
UNITS 37 38 39 A |
4,879 |
47 km |
| 1998 |
UNITS 1617 |
4,649 |
52 km |
| 2005 |
RX HFR 05 |
4,253 |
51 km |
| 2009 |
BU9 |
4,112 |
52 km |
| 2007 |
WUI 07 - UNIT 36 |
4,025 |
45 km |
| 2000 |
UNIT 25 |
3,412 |
46 km |
| 2009 |
BU11 |
3,242 |
49 km |
| 1997 |
BIG |
2,987 |
48 km |
| 2009 |
UNNAMED |
2,904 |
47 km |
| 2003 |
UNITS 34 33 W |
2,637 |
46 km |
| 2024 |
UNIT 8E RX |
2,551 |
50 km |
| 1992 |
SHARPTAIL |
2,288 |
45 km |
| 1988 |
UNNAMED |
2,243 |
90 km |
| 2010 |
WUI 10 UNIT D |
2,042 |
45 km |
| 1996 |
UNNAMED |
1,906 |
46 km |
| 2006 |
UNIT 4 |
1,732 |
53 km |
| 2009 |
UNIT 23 24 26 |
1,644 |
48 km |
| 1995 |
ANTLER |
1,603 |
45 km |
| 2004 |
WUI UNIT 16 |
1,592 |
52 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
14°F (-10°C) |
0.9 in |
Coldest |
| February |
18°F (-8°C) |
0.8 in |
Driest |
| March |
30°F (-1°C) |
1.7 in |
|
| April |
45°F (7°C) |
2.4 in |
|
| May |
58°F (15°C) |
3.5 in |
|
| June |
67°F (19°C) |
4.3 in |
Wettest |
| July |
72°F (22°C) |
4.0 in |
Warmest |
| August |
69°F (20°C) |
4.0 in |
|
| September |
60°F (15°C) |
3.1 in |
|
| October |
48°F (9°C) |
2.2 in |
|
| November |
31°F (-0°C) |
1.7 in |
|
| December |
17°F (-8°C) |
0.9 in |
|
Loretto has a seasonal temperature swing of 59°F / from 14°F in January to 72°F in July. Total annual precipitation is 29.5 inches, with June being the wettest month (4.3") and February the driest (0.8").
Average costs for common services in Loretto. 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 | $1,689 |
| Toddler | $1,505 |
| Preschool | $1,338 |
| Family Childcare (monthly) |
| Infant | $888 |
| Toddler | $787 |
| Preschool | $801 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Loretto
What is the population of Loretto?
Loretto has a population of 805 residents and is located in Minnesota. The population density is 3,096 people per square mile, spread across 0.3 square miles. The median age of residents is 35.6 years, which is younger than the national median of 38.9 years. The population is 51.3% female and 48.7% male.
Is Loretto expensive to live in?
Loretto 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 $110,833, 47% above the national average of $75,149. The median home value is $350,600 (24% above the U.S. median). Renters pay a median of $888 per month, below the national average of $1,163. The home price-to-income ratio is 3.2x, indicating housing is reasonably affordable relative to local income levels.
Is Loretto safe?
Loretto is considered a very safe city with a violent crime rate of 19 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 1,942 per 100,000 (below the national average). Overall, Loretto receives a safety grade of F based on combined crime data.
What is the weather like in Loretto?
Loretto has a cool climate with an average annual temperature of 45°F (7°C). Winter temperatures average 14°F in January, while summers reach an average of 72°F in July. The area receives 258 sunny days per year, well above the national average of 205. Air quality is rated Good with a median Air Quality Index (AQI) of 36.
How is the job market in Loretto?
The job market in Loretto is very strong, with unemployment at just 1.0% / well below the national rate of 3.6%. The average weekly wage is $1,734. There are 44,785 business establishments in the area, including 3,018 restaurants and food service locations. The average commute time is 30 minutes, and 17.2% of workers work from home.
How much does housing cost in Loretto?
The median home value in Loretto is $350,600. Zillow estimates the typical home value at $379,396. For renters, the median monthly rent is $888. Fair market rent is $899 for a 1-bedroom and $1,125 for a 2-bedroom apartment. The homeownership rate is 82.7%. The average annual property tax is $7,736.
How are the schools in Loretto?
Schools in Loretto score 6.2 out of 10 on standardized testing, near the national average. 47.6% of adults in Loretto hold a bachelor's degree or higher, above the national average of 33.7%. 95.6% have completed high school. 12.4% hold a graduate or professional degree.
How healthy is Loretto?
The obesity rate in Loretto is 24.0% (below the national rate of 32.1%). 8.4% of adults are smokers. 13.2% are physically inactive. 27.0% of residents report depression. 4.9% lack health insurance (below the national rate). 99.1% of residents have access to exercise opportunities. The primary care physician ratio is 1:832.
What is transportation like in Loretto?
The average commute in Loretto is 30 minutes. 76.5% of workers drive alone to work, and 17.2% work from home.
What are the demographics of Loretto?
The racial and ethnic makeup of Loretto is 93.8% White, 5% Black or African American. 96% of residents speak only English at home, while 4% speak Spanish. 3.6% of the population are military veterans. 5.5% of residents have a disability. 97.3% have health insurance coverage.
All Countries
