Milaca, Minnesota.
Typical home $240,255 (+1.9% in a year). Minneapolis-St. Paul-Bloomington, MN-WI metro.
to buy the typical home at today's mortgage rate — +$645 (+105%) since Jan 2020.
- 1 year
- Up $4,530 +2%
- $235,725$240,255 since Sep 2025
- 5 years
- Up $32,385 +16%
- $207,870$240,255 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.
- Milaca$1,261
- Minnesota$1,831
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 24 years.
Typical home values in Milaca, MN rose 1.9% over the past year — faster than the nation's +1.2%.
Living in Milaca, Mille Lacs County, Minnesota
Milaca is a city of 3,021 people in Mille Lacs County. Half its households earn more than $49,588 a year and half less, against $72,729 across Mille Lacs County; 17% of its people live below the poverty line. 58% of its homes are lived in by their owners and 42% are rented. Unemployment in Mille Lacs County was 5.8% in August 2026, and the county had 1.3% more jobs in 2025 than the year before. The most residents work in schools and health care, then manufacturing.
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 It can be wrong or out of date.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. Milaca is a small city where the people are older than in most places, and incomes run well below the county's as a whole. A good share of residents live below the poverty line, and somewhat fewer than across much of the country hold a four-year degree. Winters are long, cold and snowy, with January highs staying near the freezing mark at best, while July brings pleasantly warm days.
Work. Many residents work in schools, hospitals and social care, with manufacturing, shops and the building trades also employing a good number. Among the largest workplaces in Milaca are Mille Lacs County, the Milaca Public School District and Cassia, a skilled nursing facility. Jobs across the county have grown a little over the past year, though unemployment there has edged up, and the typical commute is a fairly long one.
Things to do. Chase Brook runs in or beside town, a simple spot for a walk along the water. A short drive away are small streams such as Mike Drew Brook and Vondell Brook. For a longer outing, Father Hennepin State Park and Sherburne National Wildlife Refuge are protected areas a longer drive away.
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- 1,586households
- 15%of adults have a degree
- 17%below the poverty line
- 33 mintypical commute
- 10%work from home
What residents work in
Employed residents by industry, from the Census survey. Mille Lacs County had 9,490 jobs in 2025, 1.3% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 20° and lows near 0°; warmest in July, with highs near 80° and lows near 59°. About 49 inches of snow and 31 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Milaca weather station, under a mile away (NOAA).
Largest workplaces in Milaca
- Mille Lacs CountyGeneral public administration471
- Milaca Public School DistrictSchool district208FTE
- CassiaSkilled nursing facilities141
- City of MilacaPersonnel offices, government61
- Seventh Judicial DistrictCity or county courts22
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 5 workplaces with 20 or more staff, 976 people in all. School districts come from the Common Core of Data (NCES, 2023–24); 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
- Strong windRelatively high
- Cold wavesRelatively high
- LightningRelatively high
- HailRelatively moderate
- Inland floodingRelatively 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 Milaca’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 Mille Lacs County and the Minneapolis-St. Paul-Bloomington, MN-WI metro.
Milaca home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Milaca$240,255
- 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.
- Milaca16
New listings per month
Sellers arriving at the market.
- Milaca6
Zip codes with a Milaca address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Milaca — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zillow publishes no zip-level series with this city on the address.