Otsego, Minnesota Demographics
Population trends, housing costs, income, commuting, and health, all on one page.
Otsego, MN Population Density Map and Area Scores
Area Score
Health, income and education, each graded from F to A+. Explore interactive maps for deeper analysis.
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A
Health Above average
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A+
Income Top grade
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B
Education Around average
Source: Map AI Methodology
Population
| Metric | Otsego | Minnesota Avg | U.S. Average |
|---|---|---|---|
| Population | 20,942 | 5,724,000 | 337,468,954 |
| Population density (per sq mi) | 685.1 | 65.8 | 86.4 |
| Population growth (%/yr) | 3.19% | 0.64% | 0.59% |
| Median age | 36.7 | 37.1 | 37.3 |
| Households | 7,272 | 2,299,361 | 130,235,071 |
Population in Otsego grew by 48.2% from 2009 to 2024, reaching 20,942 in 2024.
Population Growth 2009–2024
Race & Ethnicity
Age & Sex
The largest generation in Otsego is Millennials, aged 29–44, at 27.7% of residents. That is 5.8 points above Minnesota as a whole.
- Gen Z 13–28 3,926 18.7% -2.5 pts
- Millennials 29–44 5,799 27.7% +5.8 pts
- Gen X 45–60 3,891 18.6% -1.1 pts
- Boomers 61–79 2,479 11.8% -4.7 pts
Residents by birth cohort, from the 2025 age distribution. The right-hand figure is how far each cohort's share sits above or below Minnesota, in percentage points. Children younger than Gen Z and the generations before the Boomers are counted in the population but not shown here, so these shares do not add up to 100%.
Male and female share
Women are 48.7% of the people living in Otsego and men 51.3%.
- Women 48.7% Minnesota 50.0%
- Men 51.3% Minnesota 50.0%
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100% of everyone living in Otsego
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Economy
Otsego has a the economy index of A+, which means it is exceptionally prosperous.
| Metric | Otsego | Minnesota Avg | U.S. Average |
|---|---|---|---|
| Median household income | $123,682 | $89,852 | $80,455 |
| Income growth (%/yr) | 4.16% | 4.43% | 4.80% |
| Unemployment rate | 1.8% | 4.1% | 5.2% |
The median household income in Otsego is about 38% higher than in Minnesota.
Housing
| Metric | Otsego | Minnesota Avg | U.S. Average |
|---|---|---|---|
| Median home price | $5,649 | $236,718 | $248,835 |
| Median rent | $1,733 | $1,280 | $1,407 |
| Homeownership rate | 92.3% | 72.2% | 65.2% |
The median home price in Otsego is about 0.3 years' worth of rent — buying at the median price costs roughly as much as paying the median rent of $1,733 per month for that long.
Commute Time & Mobility
Commuters in Otsego spend about 62 minutes on the road round trip each working day. Over a typical 250-day work year, that adds up to roughly 259 hours, about 10.8 full days, spent commuting.
| Metric | Otsego | Minnesota Avg | U.S. Average |
|---|---|---|---|
| One-way commute (min) | 31.1 | 20.3 | 22.4 |
| Round-trip commute (min) | 62.2 | 40.6 | 44.8 |
| Yearly time spent (hours) | 259 | 169 | 187 |
| Estimated yearly cost | $8,032 | $5,249 | $5,790 |
| Work from home | 14.0% | 17.6% | 15.0% |
| Highway traffic (vehicles/day) | 11,219 | 7,066 | 8,813 |
| Local road traffic (vehicles/day) | 1,142 | 854 | 1,355 |
The average commute time in Otsego is 31 minutes, longer than the 20 minutes in Minnesota.
Estimated yearly cost applies a single national wage rule of thumb (U.S. Bureau of Labor Statistics average hourly earnings), not a measurement of wages in this area. Traffic volume figures come from proprietary Ticon and TrafficZoom data.
Education & Households
Otsego has a education index of B, which means it is quite educated.
| Metric | Otsego | Minnesota Avg | U.S. Average |
|---|---|---|---|
| Bachelor's degree or higher | 38.8% | 35.5% | 31.6% |
| Average household size | 2.88 | 2.43 | 2.53 |
Health
Otsego has a health index of A, which means it is very healthy.
| Metric | Otsego | Minnesota Avg | U.S. Average |
|---|---|---|---|
| Life expectancy (years) | 79.3 | 80.8 | 78.3 |
| Self-rated poor health | 7.3% | 13.0% | 16.3% |
| Smokers | 15.8% | 18.5% | 19.0% |
Otsego, MN Compared With Nearby Cities
How Otsego, MN compares with the 2 cities closest to it.
| Area | Population | Median household income | Median home price | Commute |
|---|---|---|---|---|
| Otsego, MN | 20,942 | $123,682 #2/3 | $5,649 #3/3 | 31.1 min #3/3 |
| Elk River, MN | 27,601 | $109,389 | $5,664 | 26.3 min |
| St. Michael, MN | 25,386 | $136,727 | $274,989 | 31.0 min |
Frequently Asked Questions
Common questions about Otsego, Minnesota.
What is the population of Otsego, Minnesota?
About 20,942 people live in Otsego, Minnesota, in 7,272 households of 2.9 people on average. The median age is 36.7, close to the U.S. median of 37.3.
Is Otsego, Minnesota mostly urban or rural?
Averaged over its land area, Otsego, Minnesota has 685 people per square mile, a density typical of a mix of suburbs, small towns and farmland. That is about 7.9 times the U.S. average of 86.
Can a typical household afford a home in Otsego, Minnesota?
The median home costs 0.0 times the median household income ($5,649 against $123,682), compared with 3.1 times nationally. That is within the traditional rule of thumb of about 3 times income. Median rent of $1,733 a month takes about 17% of the median household's income, below the 30% level at which HUD considers renters cost-burdened.
Is unemployment high in Otsego, Minnesota?
Unemployment in Otsego, Minnesota is only 1.8%, well below the U.S. rate of 5.2%, a sign of a tight labor market where employers compete for workers.
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