Median Income
$84,833
13% higher than US avg
Home Value
$281,300
0% lower than US avg
Violent Crime
76/100K
80% lower than US avg
Bachelor's+
36.9%
9% higher than US avg
Median Rent
$829
29% lower than US avg
Obesity Rate
33.2%
3% higher than US avg
Unemployment
3.9%
8% higher than US avg
Poverty Rate
5.4%
56% lower than US avg
How Madison Lake Compares to the U.S. Average (100% = U.S. avg)
People
Population1,178
Median Age39.2 yrs
Density860/mi²
Male / Female50% / 50%
Largest GroupWhite 96%
Veterans6.0%
Economy
A
Median Income$84,833
Per Capita$46,514
Unemployment3.9%
Poverty5.4%
County GDP$1,243M
Commute22 min
Housing
A+
Home Value$281,300
Rent$829
Ownership68.9%
Zillow$454,106
Housing Units676
Rent Burden27.6%
Crime
F
Violent76/100K
Property531/100K
Health
Obesity33.2%
Uninsured1.6%
Smoking12.7%
Depression25.8%
Heart Disease4.5%
Climate
Avg Temp45°F (7°C)
Rain33.9 in/yr
Elevation1,050 ft (320 m)
Education
B+
Bachelor's+36.9%
High School+96.9%
Graduate+19.1%
School Score5.84
Community
2024 VoteR 66% / D 32%
Commute22 min
Broadband91.3%
EV Stations22
Libraries6
Is Madison Lake a Good Place to Live?
Based on current data, Madison Lake receives an overall livability score of 3.5 out of 5.0, earning a grade of B+. Key strengths include above-average household incomes, low crime rates, a low poverty rate, high health insurance coverage. Madison Lake offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Madison Lake is $84,833, 13% above the national average of $75,149. Residents generally enjoy above-average earning potential. Unemployment stands at 3.9%, indicating a healthy job market. Only 5.4% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 22 minutes.
Cost of Living & Housing
The median home value in Madison Lake is $281,300, roughly aligned with the national median of $281,900. Renters pay a median of $829 per month, below the national average / a plus for affordability. A price-to-income ratio of 3.3x indicates a reasonably affordable housing market.
Safety & Crime
Madison Lake is a very safe community with a violent crime rate of 76 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 531 per 100,000, 73% below the national average.
Education
Educational attainment is solid, with 36.9% holding a bachelor's degree or higher, near the national average. 96.9% have completed high school. Area schools have an average test score of 5.8/10.
Climate & Weather
Madison Lake has a cool climate with an average annual temperature of 45°F. Winters average 15°F in January while summers reach 72°F in July. Annual precipitation totals 33.9 inches, including 38.7 inches of snow.
Madison Lake has a population of 1,178 with a density of 860 people per square mile, spread across 1.4 square miles. The median age is 39.2 years, 1% older than the national median of 38.9. The gender split is 49.6% female and 50.4% male. The city is predominantly White (95.7%), with 1.4% Black. English is the primary language spoken at home by 99.5% of residents. 6.0% of the population are veterans. 10.9% of residents have a disability. 98.4% have health insurance coverage.
Population
1,178
Total Population
2023 Census
39.2yrs
Median Age
1% above US avg
Race & Ethnicity
Madison Lake vs U.S. Average
Language Spoken at Home
English Only
99.5%
27% above US avg
Spanish
0.5%
96% below US avg
Social Characteristics
Madison Lake vs U.S. Average
The median household income in Madison Lake is $84,833, which is 13% above the national average of $75,149. Per capita income is $46,514 (above the $39,052 national figure). The average weekly wage is $1,053, 26% lower than the U.S. average. The unemployment rate is 3.9% (above the 3.6% US average). 5.4% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 790 business establishments, including 44 restaurants. The cost of living index is 98.6, roughly in line with the national average. Workers commute an average of 22 minutes (shorter than the 28-minute US average). 13.5% of workers work from home.
Income: Madison Lake vs U.S.
Income
| Median HH Income | $84,833 |
| 13% above US avg |
| Per Capita Income | $46,514 |
| Avg Weekly Wage | $1,053 |
| IRS Avg AGI | $81,276 |
| Gini Index | 0.399 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 3.9% |
| 8% above US avg |
| Poverty Rate | 5.4% |
| 56% below US avg |
| Establishments (County) | 790 |
| County GDP | $1,243M |
Business (County)
| Restaurants | 44 |
| Healthcare | 67 |
| Retail | 78 |
| Manufacturing | 47 |
Tax & Cost of Living
| Property Tax (IRS) | $4,786 |
| 37% above US avg |
| Cost of Living | 98.60 (100=avg) |
| Effective Tax Rate | 1.70% |
Commute & Transportation
| Commute Time | 22.2 min |
| Drive Alone | 77.6% |
| Public Transit | 0.0% |
| Work from Home | 13.5% |
The median home value in Madison Lake is $281,300, 0% below the national median of $281,900. Zillow estimates the typical home value at $454,106, higher than the Census estimate. Monthly rent averages $829 (29% 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. 68.9% of housing units are owner-occupied. There are 676 total housing units in the city. The median year a home was built is 1982. The average annual property tax is $4,786 (higher than the $3,500 national average). 27.6% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 3.3x.
Home Values
| Census Median | $281,300 |
| 0% below US avg |
| Zillow ZHVI | $454,106 |
Rental Costs
| Census Median Rent | $829 |
| 29% below US avg |
| Rent Burden | 27.6% |
HUD Fair Market Rent
| Studio | $809 |
| 1 Bedroom | $899 |
| 2 Bedrooms | $1,125 |
| 3 Bedrooms | $1,483 |
| 4 Bedrooms | $1,698 |
Ownership & Property
| Homeownership | 68.9% |
| Owner-Occupied | 68.9% |
| Renter-Occupied | 31.1% |
| Housing Units | 676 |
| Median Year Built | 1982 |
Property Tax
| Avg Tax (IRS) | $4,786 |
| 37% above US avg |
| Effective Rate | 1.70% |
In Madison Lake, 33.2% of adults are obese, above the national rate of 32.1%. 8.0% have diabetes (below the 10.5% national rate). Heart disease affects 4.5% of residents, below the national average. 27.4% have high blood pressure. 12.7% are current smokers. 21.0% report binge drinking. 19.6% are physically inactive, below the national average. 25.8% report depression (above the 20.0% national average). 15.9% experience frequent mental distress. 1.6% of residents lack health insurance (below the 8.6% national rate). The primary care physician ratio is 1:7,210. The dentist ratio is 1:3,239. 73.3% of residents have access to exercise opportunities. The food environment index is 9.4 out of 10.
Health Metrics: Madison Lake vs U.S. Average (%)
Chronic Conditions
| Obesity | 33.2% |
| 3% above US avg |
| Diabetes | 8.0% |
| Heart Disease | 4.5% |
| High Blood Pressure | 27.4% |
| Asthma | 10.1% |
| COPD | 4.4% |
| Cancer | 7.4% |
| Stroke | 2.4% |
Behaviors & Mental Health
| Smoking | 12.7% |
| 9% below US avg |
| Binge Drinking | 21.0% |
| Physical Inactivity | 19.6% |
| Depression | 25.8% |
| Mental Distress | 15.9% |
| Physical Distress | 10.0% |
| Short Sleep | 29.2% |
Healthcare Access
| Insurance Rate | 98.4% |
| Uninsured | 1.6% |
| 81% below US avg |
| Primary Care | 1:7,210 |
| Dentists | 1:3,239 |
| Mental Health | 1:1,721 |
| Checkup Rate | 73.2% |
| Dental Visits | 67.9% |
| Premature Death | 6,478/100K |
Food & Exercise
| Food Environment | 9.4/10 |
| Exercise Access | 73.3% |
| Healthcare Facilities | 67 |
Madison Lake has a violent crime rate of 76 per 100,000 residents, 80% below the national average of 380. Property crime stands at 531 per 100,000, 73% below the U.S. average. The county recorded 3 fatal traffic crashes. Overall, Madison Lake receives a safety grade of F.
Crime Rates: Madison Lake vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 75.9/100K |
| 80% below US avg |
| |
Property Crime
| Total Property | 531.1/100K |
| 73% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 3 |
| Traffic Accidents | 58 |
| Avg Accident Severity | 2.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Madison Lake has a cool climate with an average annual temperature of 45°F (7°C). Winters average 15°F in January while summers reach 72°F in July. Annual precipitation totals 33.9 inches. The area receives 38.7 inches of snow annually, a moderate snowfall amount. The city sits at an elevation of 1,050 feet.
Temperature
15°F Jan (-10°C)
72°F Jul (22°C)
| Annual Average | 45.3°F |
| 16% below US avg |
| January Average | 15°F (-10°C) |
| July Average | 72°F (22°C) |
Geography
| Elevation | 1,050 ft (320 m) |
| Area | 1.4 sq mi (3.5 km²) |
| Population Density | 860/sq mi |
| Coordinates | 44.2081°N, 93.8179°W |
| Timezone | America/Chicago |
| County | Le Sueur County County |
| Nearest Airport | Mankato Regional (MKT)
5 miles away |
Precipitation & Snow
Annual Rainfall
33.9"
11% below US avg
Wettest Month (Jun)
5.64"
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 22.8 / 100 |
| Social Vulnerability | 10.6 / 100 |
| Community Resilience | 96.6 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Very Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Relatively Low |
| Winter Weather |
Relatively Low |
| Lightning |
Very Low |
| Ice Storm |
Very Low |
| Drought |
Relatively Low |
| Cold Wave |
Relatively Low |
| Landslide |
Very 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 |
129 km |
| Apr 25, 2017 |
Near Mankato, Minnesota |
M2.8 |
15 km |
Source: USGS (M2.5+, 1990-2025)
Tornado History
565 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 42 fatalities, 954 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jun 17, 2010 |
EF4 |
72 km |
1 |
| Apr 30, 1967 |
EF4 |
51 km |
6 |
| Apr 30, 1967 |
EF4 |
99 km |
0 |
| Apr 30, 1967 |
EF4 |
78 km |
5 |
| May 6, 1965 |
EF4 |
75 km |
0 |
| May 6, 1965 |
EF4 |
64 km |
3 |
| May 6, 1965 |
EF4 |
93 km |
6 |
| Jun 19, 1951 |
EF4 |
87 km |
1 |
| Jun 17, 2010 |
EF3 |
65 km |
0 |
| Jun 17, 2010 |
EF3 |
68 km |
0 |
| Jun 17, 2010 |
EF3 |
68 km |
0 |
| Aug 24, 2006 |
EF3 |
37 km |
1 |
| Aug 1, 2006 |
EF3 |
80 km |
0 |
| Mar 29, 1998 |
EF3 |
17 km |
0 |
| Mar 29, 1998 |
EF3 |
29 km |
1 |
| Jun 16, 1992 |
EF3 |
96 km |
0 |
| Jul 27, 1987 |
EF3 |
96 km |
0 |
| Jun 7, 1984 |
EF3 |
71 km |
0 |
| May 17, 1982 |
EF3 |
82 km |
0 |
| Jun 14, 1981 |
EF3 |
81 km |
1 |
Source: NOAA SPC (EF0+, 1950-2024)
Wildfire History
6 wildfires (100+ acres) within 100 km.
Largest: SNAKE TRAIL (1,496 ac, 2024).
| Year |
Name |
Acres |
Distance |
| 2024 |
SNAKE TRAIL |
1,496 |
32 km |
| 2004 |
EAGAN |
925 |
86 km |
| 1990 |
UNNAMED |
598 |
44 km |
| 2024 |
LINCOLN WPA RX |
575 |
42 km |
| 1995 |
LV 68 CARVER |
532 |
60 km |
| 1990 |
UNNAMED |
513 |
78 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
15°F (-10°C) |
1.0 in |
Coldest |
| February |
19°F (-7°C) |
0.8 in |
Driest |
| March |
31°F (-0°C) |
1.9 in |
|
| April |
45°F (7°C) |
3.3 in |
|
| May |
58°F (15°C) |
4.2 in |
|
| June |
68°F (20°C) |
5.6 in |
Wettest |
| July |
72°F (22°C) |
4.3 in |
Warmest |
| August |
70°F (21°C) |
4.3 in |
|
| September |
62°F (17°C) |
3.3 in |
|
| October |
49°F (9°C) |
2.4 in |
|
| November |
34°F (1°C) |
1.7 in |
|
| December |
21°F (-6°C) |
1.1 in |
|
Madison Lake has a seasonal temperature swing of 57°F / from 15°F in January to 72°F in July. Total annual precipitation is 33.9 inches, with June being the wettest month (5.6") and February the driest (0.8").
Average costs for common services in Madison Lake. 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 | $758 |
| Toddler | $697 |
| Preschool | $637 |
| Family Childcare (monthly) |
| Infant | $592 |
| Toddler | $534 |
| Preschool | $548 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Madison Lake
What is the population of Madison Lake?
Madison Lake has a population of 1,178 residents and is located in Minnesota. The population density is 860 people per square mile, spread across 1.4 square miles. The median age of residents is 39.2 years. The population is 49.6% female and 50.4% male.
Is Madison Lake expensive to live in?
Madison Lake 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 $84,833, 13% above the national average of $75,149. The median home value is $281,300 (0% below the U.S. median). Renters pay a median of $829 per month, below the national average of $1,163. The home price-to-income ratio is 3.3x, indicating housing is reasonably affordable relative to local income levels.
Is Madison Lake safe?
Madison Lake is considered a very safe city with a violent crime rate of 76 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 531 per 100,000 (below the national average). Overall, Madison Lake receives a safety grade of F based on combined crime data.
What is the weather like in Madison Lake?
Madison Lake has a cool climate with an average annual temperature of 45°F (7°C). Winter temperatures average 15°F in January, while summers reach an average of 72°F in July. Annual rainfall totals 33.9 inches, with 38.7 inches of snow.
How is the job market in Madison Lake?
Madison Lake has a healthy job market with an unemployment rate of 3.9%, near the national average of 3.6%. The average weekly wage is $1,053. There are 790 business establishments in the area, including 44 restaurants and food service locations. The average commute time is 22 minutes, and 13.5% of workers work from home.
How much does housing cost in Madison Lake?
The median home value in Madison Lake is $281,300. Zillow estimates the typical home value at $454,106. For renters, the median monthly rent is $829. Fair market rent is $899 for a 1-bedroom and $1,125 for a 2-bedroom apartment. The homeownership rate is 68.9%. The average annual property tax is $4,786.
How are the schools in Madison Lake?
Schools in Madison Lake score 5.8 out of 10 on standardized testing, near the national average. 36.9% of adults in Madison Lake hold a bachelor's degree or higher, above the national average of 33.7%. 96.9% have completed high school. 19.1% hold a graduate or professional degree.
How healthy is Madison Lake?
The obesity rate in Madison Lake is 33.2% (above the national rate of 32.1%). 12.7% of adults are smokers. 19.6% are physically inactive. 25.8% of residents report depression. 1.6% lack health insurance (below the national rate). 73.3% of residents have access to exercise opportunities. The primary care physician ratio is 1:7,210.
What is transportation like in Madison Lake?
The average commute in Madison Lake is 22 minutes, shorter than the national average of 28 minutes. 77.6% of workers drive alone to work, and 13.5% work from home.
What are the demographics of Madison Lake?
The racial and ethnic makeup of Madison Lake is 95.7% White, 1.4% Black or African American. 99.5% of residents speak only English at home. 6.0% of the population are military veterans. 10.9% of residents have a disability. 98.4% have health insurance coverage.