Cromwell, Minnesota.
Typical home $253,136 (+2.4% in a year). Duluth, MN-WI metro.
to buy the typical home at today's mortgage rate — +$679 (+104%) since Jan 2020.
- 1 year
- Up $5,965 +2%
- $247,171$253,136 since Sep 2025
- 5 years
- Up $32,645 +15%
- $220,491$253,136 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Cromwell$1,329
- Minnesota$1,831
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 25 years.
Typical home values in Cromwell, MN rose 2.4% over the past year — faster than the nation's +1.2%.
Living in Cromwell, Carlton County, Minnesota
Cromwell is a city of 240 people in Carlton County. Unemployment in Carlton County was 5.2% in August 2026, and the county had 1.2% fewer jobs in 2025 than the year before. The most people in Carlton County work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Cromwell is a very small city in Carlton County, Minnesota, and its people know their neighbors by sight. Winters are cold, with a lot of snow, and summers are mild and warm. Homes here are valued above what many small-town buyers might expect, and fewer residents live below the poverty line than you might guess for a place this size.
Work. People in Cromwell mostly work in schools, hospitals and social care, in shops, in manufacturing and in government, and almost none work from home. Across Carlton County, the largest workplaces include MSOP Moose Lake, USG and Carlton County itself. Unemployment across the county is higher than a year ago, and there are slightly fewer jobs there than the year before.
Things to do. The closest outdoor spots are Fond du Lac State Forest, a protected area a short drive away, and Eagle Lake, also a short drive away. For a longer outing, Savanna Portage State Park is a protected area a longer drive away, with the Moose Horn River in the same longer-drive range. Winter brings plenty of snow, so the forests and lakes look quite different from one season to the next.
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- 6%below the poverty line
- 1%work from home
What people in Carlton County work in
Employed residents by industry, from the Census survey. Carlton County had 13,111 jobs in 2025, 1.2% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 18° and lows near -3°; warmest in July, with highs near 76° and lows near 52°. About 59 inches of snow and 31 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Wright East weather station, 4 miles away (NOAA).
Largest workplaces in Carlton County
- MSOP Moose LakeMental health facilities, residential415
- USGCeiling tile405
- Carlton CountyExecutive and legislative office combinations370
- Cloquet Public School DistrictSchool district370FTE
- Community Memorial HospitalCritical access hospital343FTE
- Upper Lakes Foods CLPrivate warehousing and storage, refrigerated272
- Inter-Faith Care CenterNursing homes140
- Essentia Health Moose LakeCritical access hospital134FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 45 workplaces with 20 or more staff, 4,577 people in all across the county; Cromwell has one of its own. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Cold wavesVery high
- LightningRelatively high
- Inland floodingRelatively moderate
- HailRelatively moderate
- Winter weatherRelatively moderate
- Ice stormsRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Cromwell’s census tracts, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Carlton County and the Duluth, MN-WI metro.
Cromwell home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Cromwell$253,136
- Minnesota$348,778
- United States$366,157
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Zip codes with a Cromwell address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Cromwell — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.