Median Income
$99,500
32% higher than US avg
Home Value
$294,800
5% higher than US avg
Violent Crime
79/100K
79% lower than US avg
Bachelor's+
18.2%
46% lower than US avg
Median Rent
$841
28% lower than US avg
Obesity Rate
37.8%
18% higher than US avg
Unemployment
2.2%
39% lower than US avg
Poverty Rate
4.2%
66% lower than US avg
How Rock Creek Compares to the U.S. Average (100% = U.S. avg)
People
Population1,711
Median Age37.2 yrs
Density40/mi²
Male / Female51% / 49%
Largest GroupWhite 94%
Veterans5.7%
Economy
A+
Median Income$99,500
Per Capita$36,807
Unemployment2.2%
Poverty4.2%
County GDP$2,242M
Commute32 min
Housing
A+
Home Value$294,800
Rent$841
Ownership93.7%
Zillow$308,843
Housing Units634
Rent Burden29.5%
Crime
F
Violent79/100K
Property2,699/100K
Health
Obesity37.8%
Uninsured8.0%
Smoking16.9%
Depression27.0%
Heart Disease5.7%
Climate
Avg Temp43°F (6°C)
AQI36 (Good)
Rain33.8 in/yr
Sunny Days270/yr
Elevation933 ft (284 m)
Education
C
Bachelor's+18.2%
High School+95.8%
Graduate+5.3%
School Score6.50
Community
2024 VoteR 65% / D 34%
Commute32 min
Broadband89.0%
EV Stations3
Libraries5
Is Rock Creek a Good Place to Live?
Based on current data, Rock Creek receives an overall livability score of 3.4 out of 5.0, earning a grade of B. Key strengths include above-average household incomes, low unemployment, low crime rates, abundant sunshine. Rock Creek offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Rock Creek is $99,500, which is significantly higher than the national average / 32% above $75,149. This places Rock Creek among higher-income communities. The job market is very strong with unemployment at just 2.2%. Only 4.2% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 32 minutes.
Cost of Living & Housing
The median home value in Rock Creek is $294,800, roughly aligned with the national median of $281,900. Renters pay a median of $841 per month, below the national average / a plus for affordability. At just 3x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Rock Creek is a very safe community with a violent crime rate of 79 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 2,699 per 100,000, 38% above the national average.
Education
18.2% of residents hold a bachelor's degree, below the national average of 33.7%. 95.8% have completed high school. Local schools score 6.5/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
Rock Creek has a cool climate with an average annual temperature of 43°F. Winters average 12°F in January while summers reach 70°F in July. With 270 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 33.8 inches, including 52.2 inches of snow. Air quality is rated Good with a median AQI of 36.
Rock Creek has a population of 1,711 with a density of 40 people per square mile, spread across 43.0 square miles. The median age is 37.2 years, 4% younger than the national median of 38.9. The gender split is 48.8% female and 51.2% male. The city is predominantly White (94.3%), with 1.5% Hispanic, 1.1% Black. English is the primary language spoken at home by 97.8% of residents. 5.7% of the population are veterans. 11.5% of residents have a disability. 96.6% have health insurance coverage.
Population
37.2yrs
Median Age
4% below US avg
Race & Ethnicity
Rock Creek vs U.S. Average
Language Spoken at Home
English Only
97.8%
25% above US avg
Spanish
2.2%
84% below US avg
Social Characteristics
Rock Creek vs U.S. Average
The median household income in Rock Creek is $99,500, which is 32% above the national average of $75,149. Per capita income is $36,807. The average weekly wage is $1,112, 22% lower than the U.S. average. The unemployment rate is 2.2% (below the 3.6% US average). 4.2% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 1,401 business establishments, including 93 restaurants. The cost of living index is 98.6, roughly in line with the national average. Workers commute an average of 32 minutes. 10.1% of workers work from home (below the 15.2% national rate).
Income: Rock Creek vs U.S.
Income
| Median HH Income | $99,500 |
| 32% above US avg |
| Per Capita Income | $36,807 |
| Avg Weekly Wage | $1,112 |
| IRS Avg AGI | $84,076 |
| Gini Index | 0.378 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 2.2% |
| 39% below US avg |
| Poverty Rate | 4.2% |
| 66% below US avg |
| Establishments (County) | 1,401 |
| County GDP | $2,242M |
Business (County)
| Restaurants | 93 |
| Healthcare | 155 |
| Retail | 158 |
| Manufacturing | 96 |
Tax & Cost of Living
| Property Tax (IRS) | $5,004 |
| 43% above US avg |
| Cost of Living | 98.60 (100=avg) |
| Effective Tax Rate | 1.70% |
Commute & Transportation
| Commute Time | 31.8 min |
| Drive Alone | 79.9% |
| Public Transit | 0.0% |
| Work from Home | 10.1% |
The median home value in Rock Creek is $294,800, 5% above the national median of $281,900. Zillow estimates the typical home value at $308,843. Monthly rent averages $841 (28% 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. 93.7% of housing units are owner-occupied (above the 65.4% national rate). There are 634 total housing units in the city. The median year a home was built is 1991. The average annual property tax is $5,004 (higher than the $3,500 national average). 29.5% 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 | $294,800 |
| 5% above US avg |
| Zillow ZHVI | $308,843 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $841 |
| 28% below US avg |
| Rent Burden | 29.5% |
HUD Fair Market Rent
| Studio | $809 |
| 1 Bedroom | $899 |
| 2 Bedrooms | $1,125 |
| 3 Bedrooms | $1,483 |
| 4 Bedrooms | $1,698 |
Ownership & Property
| Homeownership | 93.7% |
| Owner-Occupied | 93.7% |
| Renter-Occupied | 6.3% |
| Housing Units | 634 |
| Median Year Built | 1991 |
Property Tax
| Avg Tax (IRS) | $5,004 |
| 43% above US avg |
| Effective Rate | 1.70% |
In Rock Creek, 37.8% of adults are obese, above the national rate of 32.1%. 9.3% have diabetes. Heart disease affects 5.7% of residents. 30.5% have high blood pressure. 16.9% are current smokers (above the 14.0% national rate). 21.2% report binge drinking. 23.9% are physically inactive. 27.0% report depression (above the 20.0% national average). 18.3% experience frequent mental distress. 8.0% of residents lack health insurance. The primary care physician ratio is 1:2,052. The dentist ratio is 1:2,320. 70.4% of residents have access to exercise opportunities. The food environment index is 9.3 out of 10.
Health Metrics: Rock Creek vs U.S. Average (%)
Chronic Conditions
| Obesity | 37.8% |
| 18% above US avg |
| Diabetes | 9.3% |
| Heart Disease | 5.7% |
| High Blood Pressure | 30.5% |
| Asthma | 10.3% |
| COPD | 5.6% |
| Cancer | 7.3% |
| Stroke | 2.9% |
Behaviors & Mental Health
| Smoking | 16.9% |
| 21% above US avg |
| Binge Drinking | 21.2% |
| Physical Inactivity | 23.9% |
| Depression | 27.0% |
| Mental Distress | 18.3% |
| Physical Distress | 12.3% |
| Short Sleep | 33.7% |
Healthcare Access
| Insurance Rate | 96.6% |
| Uninsured | 8.0% |
| 7% below US avg |
| Primary Care | 1:2,052 |
| Dentists | 1:2,320 |
| Mental Health | 1:568 |
| Checkup Rate | 72.5% |
| Dental Visits | 62.2% |
| Premature Death | 5,872/100K |
Food & Exercise
| Food Environment | 9.3/10 |
| Exercise Access | 70.4% |
| Healthcare Facilities | 155 |
Rock Creek has a violent crime rate of 79 per 100,000 residents, 79% below the national average of 380. Property crime stands at 2,699 per 100,000, 38% above the U.S. average. The county recorded 6 fatal traffic crashes. Overall, Rock Creek receives a safety grade of F.
Crime Rates: Rock Creek vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 79.4/100K |
| 79% below US avg |
| |
Property Crime
| Total Property | 2,699.5/100K |
| 38% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 6 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Rock Creek has a cool climate with an average annual temperature of 43°F (6°C). Winters average 12°F in January while summers reach 70°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 33.8 inches. The area receives 52.2 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 933 feet.
Temperature
12°F Jan (-11°C)
70°F Jul (21°C)
| Annual Average | 43.1°F |
| 20% below US avg |
| January Average | 12°F (-11°C) |
| July Average | 70°F (21°C) |
| Sunny Days | 270 days/yr |
Geography
| Elevation | 933 ft (284 m) |
| Area | 43.0 sq mi (111.4 km²) |
| Population Density | 40/sq mi |
| Coordinates | 45.7647°N, 92.9035°W |
| Timezone | America/Chicago |
| County | Chisago County County |
| Nearest Airport | New Richmond Regional (RNH)
46 miles away |
Precipitation & Snow
Annual Rainfall
33.8"
11% below US avg
Wettest Month (Jun)
4.33"
Air Quality
| AQI Median | 36.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 44.5 / 100 |
| Social Vulnerability | 10.6 / 100 |
| Community Resilience | 88.4 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Earthquake |
Very Low |
| Wildfire |
Relatively Low |
| Flood |
Relatively Low |
| Hail |
Relatively Moderate |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Relatively 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
290 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 24 fatalities, 575 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jul 3, 1983 |
EF4 |
69 km |
0 |
| May 6, 1965 |
EF4 |
95 km |
6 |
| May 6, 1965 |
EF4 |
87 km |
3 |
| May 21, 1957 |
EF4 |
21 km |
0 |
| May 16, 2017 |
EF3 |
81 km |
1 |
| May 25, 2008 |
EF3 |
66 km |
1 |
| Jun 18, 2001 |
EF3 |
20 km |
2 |
| Sep 18, 1997 |
EF3 |
95 km |
1 |
| Jul 23, 1987 |
EF3 |
82 km |
0 |
| Apr 26, 1984 |
EF3 |
87 km |
1 |
| Jul 30, 1977 |
EF3 |
85 km |
0 |
| Jun 30, 1968 |
EF3 |
50 km |
0 |
| May 24, 1958 |
EF3 |
68 km |
0 |
| Jun 23, 1952 |
EF3 |
44 km |
2 |
| Jun 17, 2010 |
EF2 |
5 km |
0 |
| Sep 16, 2006 |
EF2 |
85 km |
1 |
| Sep 21, 2005 |
EF2 |
74 km |
0 |
| Sep 18, 1997 |
EF2 |
57 km |
0 |
| Jul 1, 1997 |
EF2 |
95 km |
0 |
| Jul 1, 1997 |
EF2 |
90 km |
0 |
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 |
74 km |
| 2003 |
UNITS 37 38 39 A |
4,879 |
69 km |
| 1998 |
UNITS 1617 |
4,649 |
68 km |
| 2005 |
RX HFR 05 |
4,253 |
69 km |
| 2009 |
BU9 |
4,112 |
74 km |
| 2007 |
WUI 07 - UNIT 36 |
4,025 |
69 km |
| 1988 |
UNNAMED |
3,642 |
97 km |
| 2000 |
UNIT 25 |
3,412 |
69 km |
| 2009 |
BU11 |
3,242 |
73 km |
| 2003 |
UNNAMED |
2,998 |
95 km |
| 1997 |
BIG |
2,987 |
70 km |
| 2009 |
UNNAMED |
2,904 |
58 km |
| 2003 |
UNITS 34 33 W |
2,637 |
70 km |
| 2024 |
UNIT 8E RX |
2,551 |
72 km |
| 1987 |
UNNAMED |
2,512 |
96 km |
| 1992 |
SHARPTAIL |
2,288 |
71 km |
| 1988 |
UNNAMED |
2,243 |
71 km |
| 2024 |
RX-86_FY23 |
2,187 |
28 km |
| 2010 |
WUI 10 UNIT D |
2,042 |
71 km |
| 1996 |
UNNAMED |
1,906 |
68 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
12°F (-11°C) |
0.9 in |
Coldest |
| February |
16°F (-9°C) |
0.8 in |
Driest |
| March |
29°F (-2°C) |
1.7 in |
|
| April |
44°F (7°C) |
2.3 in |
|
| May |
56°F (14°C) |
3.4 in |
|
| June |
65°F (18°C) |
4.3 in |
Wettest |
| July |
70°F (21°C) |
3.9 in |
Warmest |
| August |
67°F (20°C) |
4.1 in |
|
| September |
58°F (14°C) |
3.4 in |
|
| October |
46°F (8°C) |
2.5 in |
|
| November |
30°F (-1°C) |
1.6 in |
|
| December |
15°F (-9°C) |
1.1 in |
|
Rock Creek has a seasonal temperature swing of 59°F / from 12°F in January to 70°F in July. Total annual precipitation is 30.1 inches, with June being the wettest month (4.3") and February the driest (0.8").
Average costs for common services in Rock Creek. 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 Rock Creek
What is the population of Rock Creek?
Rock Creek has a population of 1,711 residents and is located in Minnesota. The population density is 40 people per square mile, spread across 43.0 square miles. The median age of residents is 37.2 years. The population is 48.8% female and 51.2% male.
Is Rock Creek expensive to live in?
Rock Creek 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 $99,500, 32% above the national average of $75,149. The median home value is $294,800 (5% above the U.S. median). Renters pay a median of $841 per month, below 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 Rock Creek safe?
Rock Creek is considered a very safe city with a violent crime rate of 79 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 2,699 per 100,000 (above the national average). Overall, Rock Creek receives a safety grade of F based on combined crime data.
What is the weather like in Rock Creek?
Rock Creek has a cool climate with an average annual temperature of 43°F (6°C). Winter temperatures average 12°F in January, while summers reach an average of 70°F in July. The area receives 270 sunny days per year, well above the national average of 205. Annual rainfall totals 33.8 inches, with 52.2 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 36.
How is the job market in Rock Creek?
The job market in Rock Creek is very strong, with unemployment at just 2.2% / well below the national rate of 3.6%. The average weekly wage is $1,112. There are 1,401 business establishments in the area, including 93 restaurants and food service locations. The average commute time is 32 minutes, and 10.1% of workers work from home.
How much does housing cost in Rock Creek?
The median home value in Rock Creek is $294,800. Zillow estimates the typical home value at $308,843. For renters, the median monthly rent is $841. Fair market rent is $899 for a 1-bedroom and $1,125 for a 2-bedroom apartment. The homeownership rate is 93.7%. The average annual property tax is $5,004.
How are the schools in Rock Creek?
Schools in Rock Creek score 6.5 out of 10 on standardized testing, near the national average. 18.2% of adults in Rock Creek hold a bachelor's degree or higher, below the national average of 33.7%. 95.8% have completed high school. 5.3% hold a graduate or professional degree.
How healthy is Rock Creek?
The obesity rate in Rock Creek is 37.8% (above the national rate of 32.1%). 16.9% of adults are smokers. 23.9% are physically inactive. 27.0% of residents report depression. 8.0% lack health insurance. 70.4% of residents have access to exercise opportunities. The primary care physician ratio is 1:2,052.
What is transportation like in Rock Creek?
The average commute in Rock Creek is 32 minutes, longer than the national average of 28 minutes. 79.9% of workers drive alone to work, and 10.1% work from home.
What are the demographics of Rock Creek?
The racial and ethnic makeup of Rock Creek is 94.3% White, 1.1% Black or African American, 1.5% Hispanic or Latino. 97.8% of residents speak only English at home. 5.7% of the population are military veterans. 11.5% of residents have a disability. 96.6% have health insurance coverage.
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