Everything You Should Know Before Moving to Two Harbors, MN
Considering a move to Two Harbors, MN? This friendly city of 3,533 offers affordable living with median home prices around $200,000 and average rent just $900. Residents enjoy short commutes (average 15.5 minutes), low violent crime rates, and easy access to Lake Superior’s scenic beauty. Education is strong with well-rated schools, and the local climate brings crisp winters and mild summers—plus 58% sunny days each year. Explore below for more details on cost of living, housing, and community life in Two Harbors.
Demographics - Two Harbors, MN
Demographics - Two Harbors, MN
Two Harbors is a small community with a population of 3,533, where the median age is 46.2 and the city maintains a close gender balance. The area is predominantly White at 94.1%, with a low percentage of non-English speakers, making it a welcoming and accessible place for newcomers. Its moderate population density creates a friendly, small-town atmosphere ideal for those seeking a quieter lifestyle.
Population:
3,533
Density:
1,064 per sq mi
Median Age:
46.2
Gender Ratio:
95 males per 100 females
Non-English Speakers Percentage:
2.8%

Ethnic Composition
White:
94.1%
Black:
0.3%
Asian:
0.6%
Others:
5.0%
Cost Of Living
What is the average cost of living in Two Harbors, MN?
Living in Two Harbors is affordable, with a median home value of $200,000 and average rent at just $900 per month. The overall cost of living index sits below the national average, and utilities and transportation costs remain manageable. Residents also benefit from relatively low homeowner expenses and competitive state tax rates.
Median House Value:
$200,000
Gross Rent:
$900
Monthly Electricity Charges:
$110
Auto Insurance:
$1,180
House Owner Cost With Mortgage:
$1,290
House Owner Cost Without Mortgage:
$450
State Taxes:
Low:
5.35%
|
High:
9.85%
Cost Of Living Index:
94.0
Grocery:
95.2
Housing:
78.3
Utilities:
97.1
Transportation:
95.0
Health Care:
102.2
Miscellaneous:
96.3
Crime
Is Two Harbors, MN a safe place to live?
Two Harbors boasts a low violent crime rate of 120 incidents per 100,000 people, making it a safe choice for families and individuals alike. Property crime is also lower than in many larger cities, with a 1 in 95 chance of being affected. This supportive environment contributes to a strong sense of community security.
Violent Crimes Per 100k:
120
Property Crimes Per 100k:
1,050
Crime Index:
1,170
Chance Of Violent Crime:
1 in 833
Chance Of Property Crime:
1 in 95
Weather
What is the weather like in Two Harbors, MN year-round?
Residents experience true four-season living, with cold winters averaging lows around 3°F and pleasant summer highs reaching up to 75°F. The city enjoys 58% sunny days annually and moderate rainfall, making it ideal for outdoor enthusiasts who appreciate a mix of crisp winters and mild summers. The climate offers year-round opportunities to enjoy nearby Lake Superior and local parks.

Winter
Min:
3°F
Max:
22°F

Spring
Min:
30°F
Max:
56°F

Summer
Min:
51°F
Max:
75°F

Fall
Min:
34°F
Max:
58°F
Average Rainfall Inches:
28.3 inches
Sunny Days Percentage:
58%
Neighbors
The typical Two Harbors household earns about $56,900, with a poverty rate of just over 10% and an unemployment rate of 3.8%. Most residents have completed high school, and nearly 26% hold a bachelor’s degree or higher, reflecting a well-educated community. Short average commutes and a high rate of owner-occupied homes contribute to a stable, neighborly environment.
Median Income:
$35,400
Household Income:
$56,900
Family Income:
$72,000
Per Capita Income:
$29,200
Income Male:
$41,500
Income Female:
$32,800
Poverty Rate:
10.2%
Non English Speakers:
2.8%
Rent:
$900
Unemployment Rate:
3.8%
Public Transport Usage:
0.5%
Commute Time:
15.5 minutes

Education
High School or Higher:
93.6%
Bachelors or More:
25.8%
Education
How are the schools in Two Harbors, MN?
Two Harbors offers quality public education with favorable student-teacher ratios at its elementary and high schools, supporting individual student growth. Higher education options are located just 28 miles away in Duluth, home to Lake Superior College and the University of Minnesota Duluth. Families benefit from strong local schools and easy access to further learning opportunities.

Public Schools
Name:
Two Harbors High School
Street:
1640 Hwy 2
Phone:
218-834-8201
Students:
410
Student Teacher Ratio:
14.5
Name:
Minnehaha Elementary School
Street:
601 13th Ave
Phone:
218-834-8221
Students:
380
Student Teacher Ratio:
13.8

Colleges
Name:
Lake Superior College
City:
Duluth
State:
MN
Distance:
28 miles
Students:
5,200
Name:
University of Minnesota Duluth
City:
Duluth
State:
MN
Distance:
28 miles
Students:
10,900
Healthcare
Healthcare access in Two Harbors is robust, anchored by Lake View Hospital and a physician availability of 1.9 per 1,000 residents. Over 95% of locals have health insurance coverage, and the city’s healthcare index suggests services are both accessible and affordable. Emergency and general medical care is conveniently available within city limits.

Major Hospitals
Name:
Lake View Hospital
Address:
325 11th Ave, Two Harbors, MN 55616
Phone:
(218) 834-7300
Type:
General & Surgical
Emergency Services:
Yes
Physicians Per 1000:
1.9
Health Insurance Coverage:
95.5%
Health Care Index:
79.2
Housing Market
What is the housing market like in Two Harbors, MN?
The housing market in Two Harbors features a median home price of $200,000 and average rent for a two-bedroom at $900. With 70.1% owner-occupied homes and a low foreclosure rate, the area offers stability for both buyers and renters. Home values have seen steady appreciation, making it an appealing choice for long-term investment.
Median Home Price:
$200,000
Average Rent For 2 Bedroom:
$900
Owner Occupied Rate:
70.1%
Rental Vacancy Rate:
4.7%
Home Appreciation Rate (1yr):
4.2%
New Construction Rate:
0.6%
Foreclosure Rate:
0.4%
DMV Information
Residents handle driver and vehicle services through the Minnesota Department of Public Safety, conveniently accessible online or by phone. The main office is located in St. Paul, but most services can be managed remotely. This ensures getting or updating your license and registration is straightforward for new arrivals.
State:
Minnesota
Department:
Minnesota Department of Public Safety – 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.