Onamia, Minnesota.
Typical home $295,323 (+2.2% in a year). Minneapolis-St. Paul-Bloomington, MN-WI metro.
to buy the typical home at today's mortgage rate — +$832 (+116%) since Jan 2020.
- 1 year
- Up $6,394 +2%
- $288,930$295,323 since Sep 2025
- 5 years
- Up $46,584 +19%
- $248,739$295,323 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.
- Onamia$1,550
- Minnesota$1,831
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 20 years.
Typical home values in Onamia, MN rose 2.2% over the past year — faster than the nation's +1.2%.
Living in Onamia, Mille Lacs County, Minnesota
Onamia is a city of 784 people in Mille Lacs County. 51% of its homes are lived in by their owners and 49% 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 It can be wrong or out of date.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. Onamia is a small city in Mille Lacs County, with fewer residents than most towns of its kind. Winters are cold, with January highs only a little above freezing's reach and lows near zero, and snow is a regular part of the season. Summers are warm without being hot, and the year brings a moderate amount of rain and melted snow. Fewer homes are lived in by their owners than in many small towns, and a larger share of residents live below the poverty line than is typical. Fewer adults hold a four-year degree than across the country as a whole.
Work. Residents work mostly in schools, hospitals and social care, with manufacturing, restaurants, hotels and entertainment, and the building trades also employing many. Across Mille Lacs County, some of the largest workplaces are Crystal Cabinet Works, which makes kitchen cabinets, Mille Lacs County itself, and the Princeton Public School District. The commute is fairly short, and some people work from home. Unemployment across the county has risen a little over the past year, while the number of jobs has edged up.
Things to do. Mille Lacs Kathio State Park, an archaeological site, and the Mille Lacs Indian Museum are both a short drive away, along with Father Hennepin State Park. Black Brook runs in or beside town, so a walk by the water needs no car. Mille Lacs Lake itself is a longer drive away.
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- 329households
- 19%of adults have a degree
- 26%below the poverty line
- 22 mintypical commute
- 11%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 19° and lows near 0°; warmest in July, with highs near 78° and lows near 58°. About 43 inches of snow and 29 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Isle 12N weather station, 19 miles away (NOAA).
Largest workplaces in Mille Lacs County
- Crystal Cabinet WorksKitchen cabinets, stock or custom wood, manufacturing522
- Mille Lacs CountyGeneral public administration471
- Princeton Public School DistrictSchool district401FTE
- WalmartWarehouse clubs and supercenters341
- Mille Lacs HospitalCritical access hospital251FTE
- Elim WellspringAssisted-living facilities with on-site nursing facilities216
- Milaca Public School DistrictSchool district208FTE
- CassiaSkilled nursing facilities141
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 23 workplaces with 20 or more staff, 3,065 people in all across the county; Onamia has two 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
- Inland floodingRelatively high
- Cold wavesRelatively high
- Strong windRelatively high
- HailRelatively 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 Onamia’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.
Onamia home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Onamia$295,323
- Minnesota$348,778
- United States$366,157
Sellers are cutting prices on about 1 in 4 Onamia listings — the market is roughly in balance.
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
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.
- Onamia23.22%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Onamia32
New listings per month
Sellers arriving at the market.
- Onamia6
Zip codes with a Onamia address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Onamia — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.