Everything You Should Know Before Moving to Stephen, MN
Considering a move to Stephen, MN? With a small-town population of just over 600, Stephen offers affordable living, with median home prices around $138,000 and rents averaging $640. Residents enjoy low crime rates, short 20-minute commutes, and a close-knit community feel. The area features a quality local school, strong health insurance coverage, and four distinct seasons with cold winters and warm summers. Stephen is ideal for those seeking a peaceful lifestyle and affordable cost of living in northwest Minnesota.
Demographics - Stephen, MN
Demographics - Stephen, MN
Stephen, MN is a small community of about 600 residents, predominantly White, with a median age of 41. The balanced gender ratio and low percentage of non-English speakers create a close-knit, welcoming environment. The moderate population density offers a quiet, rural setting ideal for families and retirees.
Population:
604
Density:
510 per sq mi
Median Age:
41.2
Gender Ratio:
99 males per 100 females
Non-English Speakers Percentage:
4.3%

Ethnic Composition
White:
91.8%
Black:
1.2%
Asian:
0.5%
Others:
6.5%
Cost Of Living
What is the average cost of living in Stephen, MN?
Stephen offers an affordable cost of living, with a median home value of $138,000 and average rent around $640. Utilities and groceries remain below the national average, and overall living expenses are accessible for most families. State income taxes are moderate, ensuring residents enjoy a comfortable lifestyle at a lower cost.
Median House Value:
$138,000
Gross Rent:
$640
Monthly Electricity Charges:
$110
Auto Insurance:
$1,140
House Owner Cost With Mortgage:
$1,070
House Owner Cost Without Mortgage:
$390
State Taxes:
Low:
5.35%
|
High:
9.85%
Cost Of Living Index:
82.5
Grocery:
96.3
Housing:
62.0
Utilities:
92.1
Transportation:
95.2
Health Care:
98.4
Miscellaneous:
93.6
Crime
Is Stephen, MN a safe place to live?
Stephen is a safe place to live, with violent crime rates significantly below the national average and property crime remaining relatively low. Residents have a 1 in 1,350 chance of experiencing violent crime, contributing to a strong sense of security. The city’s small size and close community help maintain this safe environment.
Violent Crimes Per 100k:
74
Property Crimes Per 100k:
670
Crime Index:
744
Chance Of Violent Crime:
1 in 1,350
Chance Of Property Crime:
1 in 150
Weather
What is the weather like in Stephen, MN year-round?
Residents experience all four seasons, with cold winters averaging lows near -2°F and warm summers reaching up to 81°F. The area receives about 21 inches of rainfall annually and enjoys sunshine roughly 55% of the year. Seasonal changes provide opportunities for various outdoor activities throughout the year.

Winter
Min:
-2°F
Max:
16°F

Spring
Min:
32°F
Max:
60°F

Summer
Min:
56°F
Max:
81°F

Fall
Min:
34°F
Max:
62°F
Average Rainfall Inches:
20.9 inches
Sunny Days Percentage:
55%
Neighbors
Households in Stephen typically earn around $66,700, with a low poverty rate and a high percentage of residents holding at least a high school diploma. Commute times average under 20 minutes, and unemployment is notably low. The community is friendly and stable, offering a welcoming atmosphere for newcomers.
Median Income:
$34,800
Household Income:
$66,700
Family Income:
$75,200
Per Capita Income:
$33,100
Income Male:
$42,000
Income Female:
$31,000
Poverty Rate:
7.4%
Non English Speakers:
4.3%
Rent:
$640
Unemployment Rate:
3.2%
Public Transport Usage:
0.0%
Commute Time:
19.7 minutes

Education
High School or Higher:
91.6%
Bachelors or More:
24.8%
Education
How are the schools in Stephen, MN?
Stephen is served by a well-rated public school with a low student-teacher ratio, ensuring personalized attention. Nearby colleges such as Northland Community & Technical College and the University of North Dakota offer higher education options within a short drive. Families benefit from quality educational opportunities from elementary through college.

Public Schools
Name:
Stephen-Argyle Central School
Street:
224 Brooks Ave, Stephen, MN 56757
Phone:
218-478-3315
Students:
380
Student Teacher Ratio:
10.9

Colleges
Name:
Northland Community & Technical College
City:
Thief River Falls
State:
MN
Distance:
38 miles
Students:
3,100
Name:
University of North Dakota
City:
Grand Forks
State:
ND
Distance:
44 miles
Students:
13,600
Healthcare
Residents have access to quality healthcare, with major hospitals nearby and over 95% health insurance coverage. The region has a good physician-to-resident ratio, and emergency services are readily available. Overall, Stephen supports the well-being of its community with solid healthcare resources.

Major Hospitals
Name:
Sanford Medical Center - Thief River Falls
Address:
3001 Sanford Pkwy, Thief River Falls, MN 56701
Phone:
(218) 683-4000
Type:
General & Surgical
Emergency Services:
Yes
Name:
Altru Hospital
Address:
1200 S Columbia Rd, Grand Forks, ND 58201
Phone:
(701) 780-5000
Type:
General & Surgical
Emergency Services:
Yes
Physicians Per 1000:
1.3
Health Insurance Coverage:
95.6%
Health Care Index:
72.3
Housing Market
What is the housing market like in Stephen, MN?
Stephen’s housing market is affordable, with a median home price of $138,000 and most homes owner-occupied. Rental options are available with moderate vacancy rates, and the market sees steady appreciation. The area offers both stability and opportunity for buyers and renters alike.
Median Home Price:
$138,000
Average Rent For 2 Bedroom:
$640
Owner Occupied Rate:
81.3%
Rental Vacancy Rate:
6.2%
Home Appreciation Rate (1yr):
3.6%
New Construction Rate:
0.6%
Foreclosure Rate:
0.2%
DMV Information
DMV services for Stephen are managed by Minnesota Driver and Vehicle Services, with resources available online and at the St. Paul office. Residents can access driver licensing, vehicle registration, and related services conveniently. Support is readily available by phone or via the state website.
State:
Minnesota
Department:
Minnesota Driver and Vehicle Services
Address:
445 Minnesota St, Suite 190, St Paul, MN 55101
Phone:
651-297-2126
Website:
Disclaimer: The information provided on this page is based on publicly available sources including AccuWeather, U.S. Census Bureau, local government data, and third-party partners such as Neustar. While we strive to ensure accuracy, all data is provided “as is” and should be independently verified before making any decisions. Movers.com makes no guarantees regarding the completeness or reliability of the information.