Median Income
$62,885
16% lower than US avg
Home Value
$187,100
34% lower than US avg
Violent Crime
0/100K
100% lower than US avg
Bachelor's+
21.5%
36% lower than US avg
Median Rent
$879
24% lower than US avg
Obesity Rate
37.5%
17% higher than US avg
Unemployment
0.6%
83% lower than US avg
Poverty Rate
9.7%
22% lower than US avg
How Two Harbors Compares to the U.S. Average (100% = U.S. avg)
People
Population3,598
Median Age41.5 yrs
Density1,100/mi²
Male / Female51% / 50%
Largest GroupWhite 94%
Veterans8.7%
Economy
A
Median Income$62,885
Per Capita$30,912
Unemployment0.6%
Poverty9.7%
County GDP$565M
Commute25 min
Housing
A+
Home Value$187,100
Rent$879
Ownership71.6%
Zillow$285,518
Housing Units1,807
Rent Burden32.6%
Crime
C+
Violent0/100K
Property142/100K
Murder0.0/100K
Assault0/100K
Burglary0/100K
Health
Obesity37.5%
Uninsured9.0%
Smoking18.6%
Depression27.0%
Heart Disease6.1%
Climate
Avg Temp41°F (5°C)
AQI36 (Good)
Rain31.7 in/yr
Sunny Days249/yr
Elevation732 ft (223 m)
Education
C+
Bachelor's+21.5%
High School+89.2%
Graduate+5.4%
School Score6.03
Community
2024 VoteR 47% / D 51%
Commute25 min
Broadband86.2%
EV Stations7
Libraries2
Is Two Harbors a Good Place to Live?
Based on current data, Two Harbors receives an overall livability score of 3.6 out of 5.0, earning a grade of B+. Key strengths include low unemployment, low crime rates, affordable housing, abundant sunshine. Two Harbors offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Two Harbors is $62,885, 16% below the national average of $75,149. The job market is very strong with unemployment at just 0.6%. 9.7% of residents live in poverty, near the national average of 12.4%. Workers commute an average of 25 minutes.
Cost of Living & Housing
The median home value in Two Harbors is $187,100, 34% below the national median / offering relatively affordable homeownership. Renters pay a median of $879 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
Two Harbors 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 142 per 100,000, 93% below the national average.
Education
21.5% of residents hold a bachelor's degree, below the national average of 33.7%. 89.2% have completed high school. Area schools have an average test score of 6/10.
Climate & Weather
Two Harbors has a cool climate with an average annual temperature of 41°F. Winters average 16°F in January while summers reach 65°F in July. The area gets 249 sunny days per year. Annual precipitation totals 31.7 inches, including 61.0 inches of snow. Air quality is rated Good with a median AQI of 36.
Two Harbors has a population of 3,598 with a density of 1,100 people per square mile, spread across 3.3 square miles. The median age is 41.5 years, 7% older than the national median of 38.9. The gender split is 49.5% female and 50.5% male. The city is predominantly White (94.1%), with 3.4% Hispanic, 1.1% Black. English is the primary language spoken at home by 98.7% of residents. 8.7% of the population are veterans, above the national rate of 6.0%. 18.9% of residents have a disability (above the 13.0% national average). 95.2% have health insurance coverage.
Population
41.5yrs
Median Age
7% above US avg
Race & Ethnicity
Two Harbors vs U.S. Average
Language Spoken at Home
English Only
98.7%
26% above US avg
Spanish
1.3%
90% below US avg
Social Characteristics
Two Harbors vs U.S. Average
The median household income in Two Harbors is $62,885, which is 16% below the national average of $75,149. Per capita income is $30,912 (below the $39,052 national figure). The average weekly wage is $1,047, 27% lower than the U.S. average. The unemployment rate is 0.6% (below the 3.6% US average). 9.7% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 378 business establishments, including 71 restaurants. The cost of living index is 98.6, roughly in line with the national average. Workers commute an average of 25 minutes. 4.1% of workers work from home (below the 15.2% national rate).
Income: Two Harbors vs U.S.
Income
| Median HH Income | $62,885 |
| 16% below US avg |
| Per Capita Income | $30,912 |
| Avg Weekly Wage | $1,047 |
| IRS Avg AGI | $69,182 |
| Gini Index | 0.397 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.6% |
| 83% below US avg |
| Poverty Rate | 9.7% |
| 22% below US avg |
| Establishments (County) | 378 |
| County GDP | $565M |
Business (County)
| Restaurants | 71 |
| Healthcare | 32 |
| Retail | 53 |
| Manufacturing | 19 |
Tax & Cost of Living
| Property Tax (IRS) | $4,145 |
| 18% above US avg |
| Cost of Living | 98.60 (100=avg) |
| Effective Tax Rate | 2.22% |
Commute & Transportation
| Commute Time | 25.1 min |
| Drive Alone | 77.5% |
| Public Transit | 0.6% |
| Work from Home | 4.1% |
The median home value in Two Harbors is $187,100, 34% below the national median of $281,900. Zillow estimates the typical home value at $285,518, higher than the Census estimate. Monthly rent averages $879 (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. 71.6% of housing units are owner-occupied. There are 1,807 total housing units in the city. The median year a home was built is 1953. The average annual property tax is $4,145 (higher than the $3,500 national average). 32.6% 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 | $187,100 |
| 34% below US avg |
| Zillow ZHVI | $285,518 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $879 |
| 24% below US avg |
| Rent Burden | 32.6% |
HUD Fair Market Rent
| Studio | $809 |
| 1 Bedroom | $899 |
| 2 Bedrooms | $1,125 |
| 3 Bedrooms | $1,483 |
| 4 Bedrooms | $1,698 |
Ownership & Property
| Homeownership | 71.6% |
| Owner-Occupied | 71.6% |
| Renter-Occupied | 28.4% |
| Housing Units | 1,807 |
| Median Year Built | 1953 |
Property Tax
| Avg Tax (IRS) | $4,145 |
| 18% above US avg |
| Effective Rate | 2.22% |
In Two Harbors, 37.5% of adults are obese, above the national rate of 32.1%. 9.9% have diabetes. Heart disease affects 6.1% of residents. 28.6% have high blood pressure. 18.6% are current smokers (above the 14.0% national rate). 20.1% report binge drinking. 26.2% are physically inactive. 27.0% report depression (above the 20.0% national average). 18.6% experience frequent mental distress. 9.0% of residents lack health insurance. The primary care physician ratio is 1:1,099. The dentist ratio is 1:2,188. 80.3% of residents have access to exercise opportunities. The food environment index is 8.7 out of 10.
Health Metrics: Two Harbors vs U.S. Average (%)
Chronic Conditions
| Obesity | 37.5% |
| 17% above US avg |
| Diabetes | 9.9% |
| Heart Disease | 6.1% |
| High Blood Pressure | 28.6% |
| Asthma | 10.8% |
| COPD | 6.7% |
| Cancer | 7.3% |
| Stroke | 3.3% |
Behaviors & Mental Health
| Smoking | 18.6% |
| 33% above US avg |
| Binge Drinking | 20.1% |
| Physical Inactivity | 26.2% |
| Depression | 27.0% |
| Mental Distress | 18.6% |
| Physical Distress | 13.3% |
| Short Sleep | 28.4% |
Healthcare Access
| Insurance Rate | 95.2% |
| Uninsured | 9.0% |
| 5% above US avg |
| Primary Care | 1:1,099 |
| Dentists | 1:2,188 |
| Mental Health | 1:678 |
| Checkup Rate | 70.5% |
| Dental Visits | 67.4% |
| Premature Death | 4,750/100K |
Food & Exercise
| Food Environment | 8.7/10 |
| Exercise Access | 80.3% |
| Healthcare Facilities | 32 |
Two Harbors has a violent crime rate of 0 per 100,000 residents, 100% below the national average of 380. This breaks down to aggravated assault at 0.0 per 100,000, robbery at 0.0, rape at 0.0. The murder rate is 0.0 per 100,000 (below the national rate of 6.3). Property crime stands at 142 per 100,000, 93% below the U.S. average. This includes larceny/theft at 142, burglary at 0, vehicle theft at 0 per 100,000 residents. The county recorded 1 fatal traffic crashes. Overall, Two Harbors receives a safety grade of C+.
Crime Rates: Two Harbors vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 0.0/100K |
| 100% below US avg |
| Murder | 0.0/100K |
| 100% below US avg |
| Rape | 0.0/100K |
| Robbery | 0.0/100K |
| Assault | 0.0/100K |
Property Crime
| Total Property | 141.9/100K |
| 93% below US avg |
| Burglary | 0.0/100K |
| Theft | 141.9/100K |
| Vehicle Theft | 0.0/100K |
| Arson | 0.0/100K |
Traffic Safety
| Fatal Crashes (County/yr) | 1 |
| Traffic Accidents | 8 |
| Avg Accident Severity | 2.1 / 4.0 |
Safety Score
| Safety Grade | C+ |
| Safety Score | 2.5 / 5.0 |
Two Harbors has a cool climate with an average annual temperature of 41°F (5°C). Winters average 16°F in January while summers reach 65°F in July. The area gets 249 sunny days per year, above the national average. Annual precipitation totals 31.7 inches. The area receives 61.0 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 732 feet.
Temperature
16°F Jan (-9°C)
65°F Jul (18°C)
| Annual Average | 41.3°F |
| 24% below US avg |
| January Average | 16°F (-9°C) |
| July Average | 65°F (18°C) |
| Sunny Days | 249 days/yr |
Geography
| Elevation | 732 ft (223 m) |
| Area | 3.3 sq mi (8.5 km²) |
| Population Density | 1,100/sq mi |
| Coordinates | 47.0300°N, 91.6757°W |
| Timezone | America/Chicago |
| County | Lake County County |
| Nearest Airport | Duluth International (DLH)
28 miles away |
Precipitation & Snow
Annual Rainfall
31.7"
17% below US avg
Wettest Month (Jun)
3.94"
Air Quality
| AQI Median | 36.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
| Ozone (O₃) | 0.0389 ppm |
| PM2.5 (Fine Particles) | 5.0 μg/m³ |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 33.9 / 100 |
| Social Vulnerability | 43.5 / 100 |
| Community Resilience | 98.5 / 100 |
Hazard Breakdown
| Tornado |
Very Low |
| Earthquake |
No Rating |
| Wildfire |
Very Low |
| Flood |
Very Low |
| Hail |
Very Low |
| Strong Wind |
Relatively High |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Moderate |
| Lightning |
Relatively Moderate |
| Ice Storm |
Very Low |
| Drought |
Very Low |
| Cold Wave |
Relatively Moderate |
| Landslide |
Very Low |
| Coastal Flood |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Tornado History
50 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF3. Total: 2 fatalities, 28 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Aug 6, 1969 |
EF3 |
94 km |
0 |
| Aug 6, 1969 |
EF3 |
36 km |
2 |
| Aug 6, 1969 |
EF3 |
97 km |
0 |
| Aug 6, 1969 |
EF3 |
99 km |
0 |
| Jul 1, 2011 |
EF2 |
81 km |
0 |
| Sep 3, 1980 |
EF2 |
52 km |
0 |
| Aug 6, 1969 |
EF2 |
94 km |
0 |
| Aug 6, 1969 |
EF2 |
95 km |
0 |
| Aug 6, 1969 |
EF2 |
90 km |
0 |
| Jun 30, 1968 |
EF2 |
87 km |
0 |
| Sep 19, 2024 |
EF1 |
61 km |
0 |
| Jul 11, 2022 |
EF1 |
93 km |
0 |
| Jul 18, 2020 |
EF1 |
87 km |
0 |
| Jul 18, 2020 |
EF1 |
47 km |
0 |
| Jul 18, 2019 |
EF1 |
81 km |
0 |
| Jun 19, 2016 |
EF1 |
84 km |
0 |
| Jun 27, 1994 |
EF1 |
100 km |
0 |
| Jun 27, 1994 |
EF1 |
93 km |
0 |
| Aug 13, 1988 |
EF1 |
79 km |
0 |
| Sep 5, 1987 |
EF1 |
38 km |
0 |
Source: NOAA SPC (EF0+, 1950-2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: PAGAMI CREEK (85,116 ac, 2011).
| Year |
Name |
Acres |
Distance |
| 2011 |
PAGAMI CREEK |
85,116 |
93 km |
| 2021 |
GREENWOOD |
28,255 |
63 km |
| 2013 |
GERMANN ROAD FIRE |
6,751 |
78 km |
| 1992 |
UNNAMED |
4,053 |
92 km |
| 2019 |
NW SANDS UNITS I/F/C/A |
3,386 |
54 km |
| 1995 |
LITTLE GABBRO |
3,145 |
94 km |
| 2016 |
UNNAMED |
2,682 |
53 km |
| 2013 |
UNNAMED |
2,240 |
53 km |
| 2006 |
TURTLE LAKE |
2,167 |
91 km |
| 2014 |
UNNAMED |
2,116 |
58 km |
| 1992 |
UNNAMED |
1,581 |
97 km |
| 2015 |
UNNAMED |
1,407 |
56 km |
| 2015 |
UNNAMED |
1,361 |
54 km |
| 2021 |
NW SANDS - BLOCK E RX |
1,361 |
56 km |
| 2007 |
PIONEER FIRE |
1,072 |
96 km |
| 2018 |
UNNAMED |
961 |
56 km |
| 1998 |
UNNAMED |
958 |
75 km |
| 2024 |
NW SANDS BLOCK J RX |
911 |
51 km |
| 2024 |
NW SANDS BLOCK B RX |
844 |
56 km |
| 2018 |
NW SANDS BLOCK C |
771 |
58 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
16°F (-9°C) |
1.1 in |
|
| February |
13°F (-11°C) |
0.8 in |
Coldest, Driest |
| March |
24°F (-5°C) |
1.8 in |
|
| April |
37°F (3°C) |
2.2 in |
|
| May |
50°F (10°C) |
3.0 in |
|
| June |
59°F (15°C) |
3.9 in |
Wettest |
| July |
65°F (18°C) |
3.9 in |
Warmest |
| August |
64°F (18°C) |
3.9 in |
|
| September |
55°F (13°C) |
3.7 in |
|
| October |
44°F (7°C) |
2.6 in |
|
| November |
29°F (-2°C) |
1.9 in |
|
| December |
15°F (-10°C) |
1.1 in |
|
Two Harbors has a seasonal temperature swing of 52°F / from 13°F in February to 65°F in July. Total annual precipitation is 29.7 inches, with June being the wettest month (3.9") and February the driest (0.8").
Average costs for common services in Two Harbors. 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 | $1,070 |
| Toddler | $945 |
| Preschool | $891 |
| Family Childcare (monthly) |
| Infant | $621 |
| Toddler | $570 |
| Preschool | $570 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Two Harbors
What is the population of Two Harbors?
Two Harbors has a population of 3,598 residents and is located in Minnesota. The population density is 1,100 people per square mile, spread across 3.3 square miles. The median age of residents is 41.5 years, which is older than the national median of 38.9 years. The population is 49.5% female and 50.5% male.
Is Two Harbors expensive to live in?
Two Harbors 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 $62,885, 16% below the national average of $75,149. The median home value is $187,100 (34% below the U.S. median). Renters pay a median of $879 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 Two Harbors safe?
Two Harbors 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 142 per 100,000 (below the national average). Overall, Two Harbors receives a safety grade of C+ based on combined crime data.
What is the weather like in Two Harbors?
Two Harbors has a cool climate with an average annual temperature of 41°F (5°C). Winter temperatures average 16°F in January, while summers reach an average of 65°F in July. The area receives 249 sunny days per year. Annual rainfall totals 31.7 inches, with 61.0 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 36.
How is the job market in Two Harbors?
The job market in Two Harbors is very strong, with unemployment at just 0.6% / well below the national rate of 3.6%. The average weekly wage is $1,047. There are 378 business establishments in the area, including 71 restaurants and food service locations. The average commute time is 25 minutes, and 4.1% of workers work from home.
How much does housing cost in Two Harbors?
The median home value in Two Harbors is $187,100. Zillow estimates the typical home value at $285,518. For renters, the median monthly rent is $879. Fair market rent is $899 for a 1-bedroom and $1,125 for a 2-bedroom apartment. The homeownership rate is 71.6%. The average annual property tax is $4,145.
How are the schools in Two Harbors?
Schools in Two Harbors score 6 out of 10 on standardized testing, near the national average. 21.5% of adults in Two Harbors hold a bachelor's degree or higher, below the national average of 33.7%. 89.2% have completed high school. 5.4% hold a graduate or professional degree.
How healthy is Two Harbors?
The obesity rate in Two Harbors is 37.5% (above the national rate of 32.1%). 18.6% of adults are smokers. 26.2% are physically inactive. 27.0% of residents report depression. 9.0% lack health insurance. 80.3% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,099.
What is transportation like in Two Harbors?
The average commute in Two Harbors is 25 minutes. 77.5% of workers drive alone to work, and 4.1% work from home.
What are the demographics of Two Harbors?
The racial and ethnic makeup of Two Harbors is 94.1% White, 1.1% Black or African American, 3.4% Hispanic or Latino. 98.7% of residents speak only English at home. 8.7% of the population are military veterans. 18.9% of residents have a disability. 95.2% have health insurance coverage.
All Countries
