Effie, Minnesota.
Typical home $183,065 (-0.3% in a year). Grand Rapids, MN metro.
to buy the typical home at today's mortgage rate — +$538 (+127%) since Jan 2020.
- 1 year
- Down $520 -0%
- $183,585$183,065 since Sep 2025
- 5 years
- Up $33,936 +23%
- $149,129$183,065 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.
- Effie$961
- Minnesota$1,831
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 17 years.
Typical home values in Effie, MN fell 0.3% over the past year — slower than the nation's +1.2%.
Living in Effie, Koochiching County, Minnesota
Effie is a city of 109 people in Koochiching County. Unemployment in Koochiching County was 6.5% in August 2026, and the county had 2.0% fewer jobs in 2025 than the year before. The most people in Koochiching County work in schools and health care, then manufacturing.
Written by AI Claude Haiku 5.5 wrote this on 22 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 It can be wrong or out of date.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. Effie is a small city in Koochiching County, in the far north of Minnesota near the Canadian border. Winters are long and cold, with January the coldest month and July the warmest. Snow is heavy through the cold months, and rain and melted snow fall across the rest of the year.
Work. Many residents work in schools, hospitals and social care, or in manufacturing. Others work in shops, or in banks, insurance and property.
Things to do. Scenic State Park, a protected area, is a short drive away and is one of the best known places to visit nearby. The Rice River and Sandwick Lake are also a short drive off, giving a choice of river or lake nearby.
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- 8%of adults have a degree
- 4%below the poverty line
- 10 mintypical commute
What people in Koochiching County work in
Employed residents by industry, from the Census survey. Koochiching County had 4,163 jobs in 2025, 2.0% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 16° and lows near -5°; warmest in July, with highs near 77° and lows near 56°. About 64 inches of snow and 31 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Marcell 5NE weather station, 15 miles away (NOAA).
Largest workplaces in Koochiching County
- Packaging Corporation of America596
- Rainy Lake Medical CenterGroup hospitalization plans providing health care services226
- Intl Falls Memorial HospitalCritical access hospital167FTE
- International Falls School DistrictSchool district143FTE
- Northome SchoolSchool districts, elementary or secondary126
- Menards"home centers"89
- City of International FallsAmbulance and fire service combined72
- National Park ServiceFederal government · Department of the Interior70
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 14 workplaces with 20 or more staff, 1,571 people in all across the county; Effie has none of its own. Hospitals come from their Medicare cost reports (CMS, 2023), school districts from the Common Core of Data (NCES, 2023–24) and federal offices from OPM's federal workforce data (2026); 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 wavesRelatively high
- Inland floodingRelatively high
- Strong windRelatively moderate
- LightningRelatively moderate
- Winter weatherRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Effie’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 Koochiching County and the Grand Rapids, MN metro.
Effie home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Effie$183,065
- 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.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Effie7
Zip codes with a Effie address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Effie — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.