Median Income
$63,750
15% lower than US avg
Home Value
$83,800
70% lower than US avg
Violent Crime
0/100K
100% lower than US avg
Bachelor's+
26.2%
22% lower than US avg
Median Rent
$871
25% lower than US avg
Obesity Rate
38.9%
21% higher than US avg
Unemployment
1.8%
50% lower than US avg
Poverty Rate
8.6%
31% lower than US avg
How Stephen Compares to the U.S. Average (100% = U.S. avg)
People
Population524
Median Age55.3 yrs
Density663/mi²
Male / Female44% / 57%
Largest GroupWhite 80%
Veterans4.1%
Economy
A
Median Income$63,750
Per Capita$36,058
Unemployment1.8%
Poverty8.6%
County GDP$223M
Commute20 min
Housing
A+
Home Value$83,800
Rent$871
Ownership87.7%
Zillow$187,584
Housing Units304
Rent Burden51.0%
Crime
Violent0/100K
Property0/100K
Health
Obesity38.9%
Uninsured9.0%
Smoking14.9%
Depression24.9%
Heart Disease5.1%
Climate
Avg Temp40°F (4°C)
AQI36 (Good)
Rain22.9 in/yr
Sunny Days269/yr
Elevation829 ft (253 m)
Education
B
Bachelor's+26.2%
High School+87.9%
Graduate+9.6%
School Score6.54
Community
2024 VoteR 62% / D 37%
Commute20 min
Broadband86.4%
EV Stations1
Libraries1
Is Stephen a Good Place to Live?
Based on current data, Stephen receives an overall livability score of 4.1 out of 5.0, earning a grade of A. Key strengths include low unemployment, low crime rates, affordable housing, abundant sunshine. Areas to be aware of include high obesity rates. Stephen stands out as an excellent place to live, with strong marks across most quality-of-life indicators.
Economy & Jobs
The median household income in Stephen is $63,750, 15% below the national average of $75,149. The job market is very strong with unemployment at just 1.8%. 8.6% of residents live in poverty, near the national average of 12.4%. Workers commute an average of 20 minutes, shorter than most U.S. cities.
Cost of Living & Housing
The median home value in Stephen is $83,800, 70% below the national median / offering relatively affordable homeownership. Renters pay a median of $871 per month, below the national average / a plus for affordability. At just 1.3x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Stephen is a very safe community with a violent crime rate of 0 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 0 per 100,000, 100% below the national average.
Education
26.2% of residents hold a bachelor's degree, below the national average of 33.7%. 87.9% have completed high school. Local schools score 6.5/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
Stephen has a cool climate with an average annual temperature of 40°F. Winters average 5°F in January while summers reach 68°F in July. With 269 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 22.9 inches, including 43.6 inches of snow. Air quality is rated Good with a median AQI of 36.
Stephen has a population of 524 with a density of 663 people per square mile, spread across 0.8 square miles. The median age is 55.3 years, 42% older than the national median of 38.9. The gender split is 56.5% female and 43.5% male. The city is predominantly White (80.3%), with 1.1% Black. English is the primary language spoken at home by 87% of residents, while 13% speak Spanish. 4.1% of the population are veterans, below the national rate of 6.0%. 10.6% of residents have a disability. 91.7% have health insurance coverage.
Population
55.3yrs
Median Age
42% above US avg
Language Spoken at Home
English Only
87.0%
11% above US avg
Spanish
13.0%
3% below US avg
The median household income in Stephen is $63,750, which is 15% below the national average of $75,149. Per capita income is $36,058. The average weekly wage is $960, 33% lower than the U.S. average. The unemployment rate is 1.8% (below the 3.6% US average). 8.6% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 198 business establishments, including 9 restaurants. The cost of living index is 98.6, roughly in line with the national average. Workers commute an average of 20 minutes (shorter than the 28-minute US average). 2.8% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $63,750 |
| 15% below US avg |
| Per Capita Income | $36,058 |
| Avg Weekly Wage | $960 |
| IRS Avg AGI | $75,818 |
| Gini Index | 0.416 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 1.8% |
| 50% below US avg |
| Poverty Rate | 8.6% |
| 31% below US avg |
| Establishments (County) | 198 |
| County GDP | $223M |
Business (County)
| Restaurants | 9 |
| Healthcare | 9 |
| Retail | 25 |
| Manufacturing | 10 |
Tax & Cost of Living
| Property Tax (IRS) | $2,940 |
| 16% below US avg |
| Cost of Living | 98.60 (100=avg) |
| Effective Tax Rate | 3.51% |
Commute & Transportation
| Commute Time | 19.5 min |
| Drive Alone | 83.4% |
| Public Transit | 0.0% |
| Work from Home | 2.8% |
The median home value in Stephen is $83,800, 70% below the national median of $281,900. Zillow estimates the typical home value at $187,584, higher than the Census estimate. Monthly rent averages $871 (25% 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. 87.7% of housing units are owner-occupied (above the 65.4% national rate). There are 304 total housing units in the city. The median year a home was built is 1961. The average annual property tax is $2,940 (lower than the $3,500 national average). 51.0% of renters spend 30% or more of their income on housing, indicating a significant affordability challenge for renters. The home price-to-income ratio is 1.3x, well within the affordable range.
Home Values
| Census Median | $83,800 |
| 70% below US avg |
| Zillow ZHVI | $187,584 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $871 |
| 25% below US avg |
| Rent Burden | 51.0% |
HUD Fair Market Rent
| Studio | $809 |
| 1 Bedroom | $899 |
| 2 Bedrooms | $1,125 |
| 3 Bedrooms | $1,483 |
| 4 Bedrooms | $1,698 |
Ownership & Property
| Homeownership | 87.7% |
| Owner-Occupied | 87.7% |
| Renter-Occupied | 12.3% |
| Housing Units | 304 |
| Median Year Built | 1961 |
Property Tax
| Avg Tax (IRS) | $2,940 |
| 16% below US avg |
| Effective Rate | 3.51% |
In Stephen, 38.9% of adults are obese, above the national rate of 32.1%. 8.9% have diabetes. Heart disease affects 5.1% of residents. 28.3% have high blood pressure. 14.9% are current smokers. 21.8% report binge drinking. 23.0% are physically inactive. 24.9% report depression (above the 20.0% national average). 16.5% experience frequent mental distress. 9.0% of residents lack health insurance. The dentist ratio is 1:2,030. 60.9% of residents have access to exercise opportunities. The food environment index is 8.5 out of 10.
Health Metrics: Stephen vs U.S. Average (%)
Chronic Conditions
| Obesity | 38.9% |
| 21% above US avg |
| Diabetes | 8.9% |
| Heart Disease | 5.1% |
| High Blood Pressure | 28.3% |
| Asthma | 10.0% |
| COPD | 5.1% |
| Cancer | 7.2% |
| Stroke | 2.7% |
Behaviors & Mental Health
| Smoking | 14.9% |
| 6% above US avg |
| Binge Drinking | 21.8% |
| Physical Inactivity | 23.0% |
| Depression | 24.9% |
| Mental Distress | 16.5% |
| Physical Distress | 11.4% |
| Short Sleep | 32.5% |
Healthcare Access
| Insurance Rate | 91.7% |
| Uninsured | 9.0% |
| 5% above US avg |
| Dentists | 1:2,030 |
| Checkup Rate | 71.7% |
| Dental Visits | 61.3% |
| Premature Death | 8,582/100K |
Food & Exercise
| Food Environment | 8.5/10 |
| Exercise Access | 60.9% |
| Healthcare Facilities | 9 |
Stephen has a violent crime rate of 0 per 100,000 residents, 100% below the national average of 380. Property crime stands at 0 per 100,000, 100% below the U.S. average. The county recorded 1 fatal traffic crashes.
Crime Rates: Stephen vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 0.0/100K |
| 100% below US avg |
| |
Property Crime
| Total Property | 0.0/100K |
| 100% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 1 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
Stephen has a cool climate with an average annual temperature of 40°F (4°C). Winters average 5°F in January while summers reach 68°F in July / a wide seasonal temperature swing of 63°F. The area gets 269 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 22.9 inches (drier than the 38-inch national average). The area receives 43.6 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 829 feet.
Temperature
5°F Jan (-15°C)
68°F Jul (20°C)
| Annual Average | 39.5°F |
| 27% below US avg |
| January Average | 5°F (-15°C) |
| July Average | 68°F (20°C) |
| Sunny Days | 269 days/yr |
Geography
| Elevation | 829 ft (253 m) |
| Area | 0.8 sq mi (2.0 km²) |
| Population Density | 663/sq mi |
| Coordinates | 48.4524°N, 96.8763°W |
| Timezone | America/Chicago |
| County | Kittson County County |
| Nearest Airport | Grand Forks International (GFK)
37 miles away |
Precipitation & Snow
Annual Rainfall
22.9"
40% below US avg
Wettest Month (Jun)
3.19"
Air Quality
| AQI Median | 36.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 4.8 / 100 |
| Social Vulnerability | 10.6 / 100 |
| Community Resilience | 97.9 / 100 |
Hazard Breakdown
| Tornado |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Relatively Low |
| Flood |
Very Low |
| Hail |
Very Low |
| Strong Wind |
Very Low |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Low |
| Lightning |
Very 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
352 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 2 fatalities, 50 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Aug 26, 2007 |
EF4 |
98 km |
1 |
| Jun 6, 1999 |
EF4 |
69 km |
0 |
| May 19, 2004 |
EF3 |
54 km |
0 |
| Aug 11, 1958 |
EF3 |
66 km |
0 |
| Jul 11, 2017 |
EF2 |
96 km |
0 |
| Jun 27, 2015 |
EF2 |
90 km |
0 |
| Sep 19, 2014 |
EF2 |
47 km |
0 |
| Jul 21, 2014 |
EF2 |
84 km |
0 |
| Aug 10, 2010 |
EF2 |
89 km |
0 |
| Jun 17, 2010 |
EF2 |
69 km |
0 |
| Aug 26, 2007 |
EF2 |
82 km |
0 |
| Jul 2, 2005 |
EF2 |
54 km |
0 |
| Jul 2, 2005 |
EF2 |
50 km |
0 |
| Jul 2, 2005 |
EF2 |
48 km |
0 |
| Jul 2, 2005 |
EF2 |
54 km |
0 |
| Jun 23, 2005 |
EF2 |
68 km |
0 |
| Jun 23, 2005 |
EF2 |
69 km |
0 |
| Jun 23, 2005 |
EF2 |
53 km |
0 |
| May 21, 2005 |
EF2 |
68 km |
0 |
| May 19, 2004 |
EF2 |
81 km |
0 |
Source: NOAA SPC (EF0+, 1950-2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: JUNEBERRY 3 (29,455 ac, 2011).
| Year |
Name |
Acres |
Distance |
| 2011 |
JUNEBERRY 3 |
29,455 |
65 km |
| 1990 |
UNNAMED |
26,345 |
75 km |
| 1991 |
UNNAMED |
22,647 |
80 km |
| 1988 |
UNNAMED |
22,262 |
68 km |
| 2007 |
UNNAMED |
21,954 |
68 km |
| 1988 |
UNNAMED |
17,778 |
50 km |
| 2003 |
CARIBOU |
16,184 |
65 km |
| 1988 |
UNNAMED |
14,432 |
78 km |
| 2021 |
OXCART |
12,538 |
92 km |
| 1988 |
UNNAMED |
11,927 |
62 km |
| 2003 |
UNNAMED |
11,544 |
61 km |
| 1987 |
UNNAMED |
10,819 |
70 km |
| 2018 |
NORTH COUNTY ROAD 7 |
9,471 |
61 km |
| 2000 |
UNNAMED |
9,194 |
62 km |
| 2003 |
CANADA |
7,065 |
78 km |
| 2006 |
UNNAMED |
6,964 |
55 km |
| 2000 |
UNNAMED |
6,057 |
50 km |
| 1985 |
UNNAMED |
5,891 |
63 km |
| 1990 |
UNNAMED |
5,817 |
78 km |
| 2024 |
AGASSIZ NWR PROJECT RX |
5,562 |
73 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
5°F (-15°C) |
0.7 in |
Coldest |
| February |
9°F (-13°C) |
0.5 in |
Driest |
| March |
23°F (-5°C) |
0.8 in |
|
| April |
41°F (5°C) |
1.3 in |
|
| May |
56°F (13°C) |
2.1 in |
|
| June |
65°F (18°C) |
3.2 in |
Wettest |
| July |
68°F (20°C) |
2.8 in |
Warmest |
| August |
67°F (19°C) |
2.3 in |
|
| September |
57°F (14°C) |
2.2 in |
|
| October |
44°F (7°C) |
1.4 in |
|
| November |
26°F (-4°C) |
0.8 in |
|
| December |
10°F (-12°C) |
0.6 in |
|
Stephen has a seasonal temperature swing of 63°F / from 5°F in January to 68°F in July. Total annual precipitation is 18.7 inches, with June being the wettest month (3.2") and February the driest (0.5").
Average costs for common services in Stephen. 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 | $723 |
| Toddler | $657 |
| Preschool | $602 |
| Family Childcare (monthly) |
| Infant | $556 |
| Toddler | $563 |
| Preschool | $563 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Stephen
What is the population of Stephen?
Stephen has a population of 524 residents and is located in Minnesota. The population density is 663 people per square mile, spread across 0.8 square miles. The median age of residents is 55.3 years, which is older than the national median of 38.9 years. The population is 56.5% female and 43.5% male.
Is Stephen expensive to live in?
Stephen 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 $63,750, 15% below the national average of $75,149. The median home value is $83,800 (70% below the U.S. median). Renters pay a median of $871 per month, below the national average of $1,163. The home price-to-income ratio is 1.3x, indicating housing is reasonably affordable relative to local income levels.
Is Stephen safe?
Stephen is considered a very safe city with a violent crime rate of 0 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 0 per 100,000 (below the national average).
What is the weather like in Stephen?
Stephen has a cool climate with an average annual temperature of 40°F (4°C). Winter temperatures average 5°F in January, while summers reach an average of 68°F in July. The area receives 269 sunny days per year, well above the national average of 205. Annual rainfall totals 22.9 inches, with 43.6 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 36.
How is the job market in Stephen?
The job market in Stephen is very strong, with unemployment at just 1.8% / well below the national rate of 3.6%. The average weekly wage is $960. There are 198 business establishments in the area, including 9 restaurants and food service locations. The average commute time is 20 minutes, and 2.8% of workers work from home.
How much does housing cost in Stephen?
The median home value in Stephen is $83,800. Zillow estimates the typical home value at $187,584. For renters, the median monthly rent is $871. Fair market rent is $899 for a 1-bedroom and $1,125 for a 2-bedroom apartment. The homeownership rate is 87.7%. The average annual property tax is $2,940.
How are the schools in Stephen?
Schools in Stephen score 6.5 out of 10 on standardized testing, near the national average. 26.2% of adults in Stephen hold a bachelor's degree or higher, below the national average of 33.7%. 87.9% have completed high school. 9.6% hold a graduate or professional degree.
How healthy is Stephen?
The obesity rate in Stephen is 38.9% (above the national rate of 32.1%). 14.9% of adults are smokers. 23.0% are physically inactive. 24.9% of residents report depression. 9.0% lack health insurance. 60.9% of residents have access to exercise opportunities.
What is transportation like in Stephen?
The average commute in Stephen is 20 minutes, shorter than the national average of 28 minutes. 83.4% of workers drive alone to work, and 2.8% work from home.
What are the demographics of Stephen?
The racial and ethnic makeup of Stephen is 80.3% White, 1.1% Black or African American. 87% of residents speak only English at home, while 13% speak Spanish. 4.1% of the population are military veterans. 10.6% of residents have a disability. 91.7% have health insurance coverage.
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