States · Minnesota · Clay County

Ulen, Minnesota.

Typical home $298,205 (+5.3% in a year). Fargo, ND-MN metro.

What it costs per month · Ulen $1,565/mo

to buy the typical home at today's mortgage rate — +$775 (+98%) since Jan 2020.

What the home itself did
1 year
Up $14,910 +5%
$283,295$298,205 since Sep 2025
5 years
Up $53,782 +22%
$244,423$298,205 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.

$500 $1,000 $1,500 $2,000 2002 2006 2010 2014 2018 2022 2026 Ulen $1,565 Minnesota $1,831 United States $1,922
$500 $1,000 $1,500 $2,000 2002 2010 2018 2026
  • Ulen$1,565
  • 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 Ulen, MN rose 5.3% over the past year — faster than the nation's +1.2%.

Living in Ulen, Clay County, Minnesota

Ulen is a city of 476 people in Clay County. Unemployment in Clay County was 4.3% in August 2026, and the county had 0.7% fewer jobs in 2025 than the year before. The most people in Clay County work in schools and health care, then shops.

People 476 in the 2020 census
Household income Too few homes in Ulen for the Census survey to measure.
Unemployment 4.3% Clay County, August 2026; 3.5% a year before
Homes Too few homes in Ulen for the Census survey to measure.

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 It can be wrong or out of date.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. Ulen is a small city in Clay County, Minnesota, home to fewer people than most towns on a map, and the kind of place where neighbors tend to know one another. Homes here are typically valued well below what the county's incomes might suggest elsewhere, though the figures sit beside this text for anyone who wants to compare. Winters are cold, among the colder ones in the country, with January the coldest month, while July brings warm summer days, and rain and melted snow add up to a moderate amount over the year.

Work. Across Clay County, jobs are slightly fewer than a year earlier, and unemployment has crept up from a year before. Many residents work in schools, hospitals and social care, in shops, in professional and business services, and in manufacturing. The largest workplaces across the county include Moorhead Area Public Schools, Concordia College at Moorhead and Minnesota State University Moorhead, and a smaller share of adults here hold a four-year degree than you might expect near a college town.

Things to do. Home Lake is a short drive away, a quiet spot for a walk or an afternoon by the water. Farther afield, Buffalo River State Park is a protected area that is a longer drive away, good for time outdoors. The Rourke Art Museum is also a longer drive away, for a day indoors with art.

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  • 18%of adults have a degree

What people in Clay County work in

  • Schools, hospitals and social care29%
  • Shops (retail)10%
  • Professional and business services9%
  • Manufacturing9%
  • Building trades8%
  • Restaurants, hotels and entertainment7%

Employed residents by industry, from the Census survey. Clay County had 19,568 jobs in 2025, 0.7% fewer than the year before (Bureau of Labor Statistics).

Weather through the year

Average daily high and low for each month: coldest in January, 16° and -4°; warmest in July, 81° and 57° 0° 20° 40° 60° 80° J 16° -4° F M A M J J 81° 57° A S O N D
Average daily high and low for each month: coldest in January, 16° and -4°; warmest in July, 81° and 57° 0° 20° 40° 60° 80° J 16° -4° F M A M J J 81° 57° A S O N D

Coldest in January, with highs near 16° and lows near -4°; warmest in July, with highs near 81° and lows near 57°. About 25 inches of rain and melted snow a year.

Average daily high and low, 1991–2020, at the Ada weather station, 20 miles away (NOAA).

Largest workplaces in Clay County

  1. Moorhead Area Public SchoolsSchool district997FTE
  2. Concordia College at MoorheadUniversity or college656
  3. Minnesota State University MoorheadUniversity or college629
  4. City of MoorheadExecutive offices, federal, state, and local412
  5. WalmartWarehouse clubs and supercenters388
  6. Eventide MoorheadService-nursing home385
  7. American Crystal Sugar Company MoorheadRaw beet sugar manufacturing365
  8. Clay County - Family Service CenterGeneral public administration227

Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 68 workplaces with 20 or more staff, 6,249 people in all across the county; Ulen has one of its own. School districts come from the Common Core of Data (NCES, 2023–24) and colleges from IPEDS (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

  1. Winter weatherVery high
  2. Cold wavesVery high
  3. Inland floodingVery high
  4. Strong windRelatively high
  5. HailRelatively high
  6. DroughtRelatively moderate

FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Ulen’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 Clay County and the Fargo, ND-MN metro.

Ulen home values

Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.

$200,000 $250,000 $300,000 $350,000 2018 2020 2022 2024 2026 Ulen $298,205 Minnesota $348,778 United States $366,157
$200,000 $250,000 $300,000 $350,000 2018 2022 2026
  • Ulen$298,205
  • 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.

JFMAMJJASOND
2026
2025
2024
2023
2022
2021
2020
2019
2018
falling flat warming hot overheating runaway

Zip codes with a Ulen address

A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Ulen — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.

Zip codes in Ulen