Crosslake, Minnesota.
. Brainerd, MN metro.
to buy the typical home at today's mortgage rate — +$893 (+95%) since Jan 2020.
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.
- Minnesota$1,831
- United States$1,922
Living in Crosslake, Crow Wing County, Minnesota
Crosslake is a city of 2,394 people in Crow Wing County. Half its households earn more than $79,635 a year and half less, against $72,589 across Crow Wing County; 9% of its people live below the poverty line. 84% of its homes are lived in by their owners and 16% are rented. Unemployment in Crow Wing County was 4.9% in August 2026, and the county had 0.3% more jobs in 2025 than the year before. The most people in Crow Wing 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 It can be wrong or out of date.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. Crosslake is a small city in Crow Wing County where residents are older than in most of the country, and nearly everyone owns the home they live in. Household incomes run above the county's, and fewer people live below the poverty line than in many places. Winters are cold and snowy, with January the coldest month and July the warmest, when days turn comfortably warm.
Work. Many residents work in schools, hospitals and social care, with others in shops, manufacturing, and restaurants and hotels. A good number work from home. Among the larger workplaces in Crosslake are Wes Hanson Builders, a general contractor, the City of Crosslake, and KBP NorthStar, a lumber yard. Unemployment across the county is higher than a year ago, and the number of jobs has barely changed.
Things to do. Much of what draws people outdoors is close by, including Pelican Lake and Kego Lake, both a short drive away, and Crow Wing State Forest, a protected area also a short drive off. Brainerd International Raceway, a race track, is a longer drive away.
Report a mistake
- 1,271households
- 30%of adults have a degree
- 9%below the poverty line
- 20%work from home
What people in Crow Wing County work in
Employed residents by industry, from the Census survey. Crow Wing County had 31,145 jobs in 2025, 0.3% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 19° and lows near -1°; warmest in July, with highs near 80° and lows near 60°. About 39 inches of snow and 29 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Pine River Dam weather station, under a mile away (NOAA).
Largest workplaces in Crosslake
- Wes Hanson BuildersCondominium, single-family, construction general contractors48
- City of CrosslakeGeneral public administration28
- KBP NorthStarLumber retailing yards23
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 3 workplaces with 20 or more staff, 99 people in all. 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
- Inland floodingVery high
- Cold wavesRelatively high
- HailRelatively moderate
- Strong windrelatively high in parts of CrosslakeRelatively moderate
- Lightningrelatively high in parts of CrosslakeRelatively moderate
- TornadoesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Crosslake’s census tracts, against the rest of the country; all of them together, relatively moderate. 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 Crow Wing County and the Brainerd, MN metro.
Crosslake home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
Not enough data to draw this yet.
Sellers are cutting prices on about 1 in 4 Crosslake listings — the market is roughly in balance.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Crosslake27.64%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Crosslake52
New listings per month
Sellers arriving at the market.
- Crosslake12
Zip codes with a Crosslake address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Crosslake — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.