Moose Lake, Minnesota.
Typical home $285,349 (+5.1% in a year). Duluth, MN-WI metro.
to buy the typical home at today's mortgage rate — +$868 (+138%) since Jan 2020.
- 1 year
- Up $13,795 +5%
- $271,554$285,349 since Sep 2025
- 5 years
- Up $71,077 +33%
- $214,272$285,349 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.
- Moose Lake$1,498
- Minnesota$1,831
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 12 years.
Typical home values in Moose Lake, MN rose 5.1% over the past year — faster than the nation's +1.2%.
Living in Moose Lake, Carlton County, Minnesota
Moose Lake is a city of 2,789 people in Carlton County. 62% of its homes are lived in by their owners and 38% are rented. 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 residents work in schools and health care, then government.
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 It can be wrong or out of date.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. Moose Lake is a small city in Carlton County, with an older population than most places and a mix of owners and renters in which owners are the larger group. Winters are long and cold, with January the coldest month and plenty of snow, while summers are warm and the town gets a fair amount of rain and melted snow across the year. A typical trip to work is short, and a four-year degree is less common here than in many communities.
Work. Many residents work in schools, hospitals and social care, in government, in restaurants, hotels and entertainment, and in the building trades. Among the largest workplaces in Moose Lake are MSOP Moose Lake, Essentia Health Moose Lake and Cassia, a continuing care retirement community. Unemployment across Carlton County is higher than it was a year earlier, and the county has fewer jobs than it did the year before.
Things to do. Moose Lake State Park, a protected area, and the Portage River sit in or beside town. A short drive away are Hanging Horn Lake and the Willow River, a lake and a river good for time on the water or along the shore. For a longer outing, Jay Cooke State Park is a protected area a longer drive away.
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- 400households
- 9%of adults have a degree
- 51%below the poverty line
- 19 mintypical commute
What residents 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 20° and lows near 1°; warmest in July, with highs near 80° and lows near 57°. About 32 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Moose Lake Sse weather station, under a mile away (NOAA).
Largest workplaces in Moose Lake
- MSOP Moose LakeMental health facilities, residential415
- Essentia Health Moose LakeCritical access hospital134FTE
- CassiaContinuing care retirement communities123
- Augustana Oakview CareAssisted-living facilities with on-site nursing facilities31
- First National Bank of Moose LakeBanks, federal reserve25
- Moose LakeMail and parcel delivery22
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 5 workplaces with 20 or more staff, 616 people in all. Hospitals come 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
- Winter weatherRelatively moderate
- Heat wavesRelatively moderate
- HailRelatively 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 Moose Lake’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.
Moose Lake home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Moose Lake$285,349
- Minnesota$348,778
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
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.
- Moose Lake13
New listings per month
Sellers arriving at the market.
- Moose Lake5
Zip codes with a Moose Lake address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Moose Lake — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.