What are the schools like in Otsego, MN?

Otsego is served primarily by KALEIDOSCOPE CHARTER SCHOOL. The district operates 1 elementary schools, 1 middle schools, and 1 high schools with a student-to-teacher ratio of 11.4:1.

What is the median household income in Otsego?

The median household income in Otsego, MN is $122,420 according to the most recent US Census American Community Survey 5-year estimates. The unemployment rate is 1.5%.

What is the weather like in Otsego, MN?

Otsego has an average high temperature of 22.5°F in January and 83.4°F in July. Annual precipitation averages 32.9 inches and annual snowfall averages 35.7 inches.

Otsego, MN Cost of Living, Crime & Is It a Good Place to Live? (2026)

Q: Is Otsego, MN affordable or expensive?

Otsego's cost of living index is 104, where 100 represents the national average. This means Otsego is 4% more expensive than the average US city. The median home value is $351,100 and the median rent is $1,595 per month.

Q: What is the crime rate in Otsego, MN?

Otsego has a violent crime rate of 64.3 incidents per 100,000 residents and a property crime rate of 450.2 per 100,000. The national average violent crime rate is approximately 380 per 100,000.

Is Otsego, MN a Good Place to Live?

Otsego is a small city of 20,455 in Minnesota, with a median household income of $122,420 and a 1.5% unemployment rate. Its cost of living index is 104 (US average = 100), which is 4% above the national average.

Strengths: Otsego stands out for solid school ratings (A), a well-educated population.

Trade-offs: Potential downsides include longer commutes. Whether Otsego is right for you depends on your priorities — the full breakdown is below.

All Otsego city data on this page comes from official government sources — the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.

Cost of Living

Index: 104.5

Otsego's overall cost of living index is 104.5, where 100 represents the US national average. Living in Otsego costs roughly 4% more than the average American city.

Metric	Otsego, MN	National Avg
Median Home Value	$351,100	$244,900
Median Monthly Rent	$1,595	$1,163
Homeownership Rate	89.2%	65.9%
Median Household Income	$122,420	$74,755

Crime & Safety

Very Safe

Otsego's violent crime rate is 64.3 per 100,000 residents — 83% lower than the national average of ~380 per 100,000.

Violent Crime

64.3 /100k

Property Crime

450.2 /100k

Vertical marker = national average. Source: FBI UCR Program.

Schools & Education

Otsego is served primarily by KALEIDOSCOPE CHARTER SCHOOL. The student-to-teacher ratio is 11.4:1 (better than the national average of ~16:1).

Metric	Otsego, MN	National Avg
School District	KALEIDOSCOPE CHARTER SCHOOL	—
Elementary Schools	1	—
Middle Schools	1	—
High Schools	1	—
Student/Teacher Ratio	11.4:1	16:1
Bachelor's Degree or Higher	41.4%	35.4%
High School Diploma or Higher	96.7%	91.1%

Weather & Climate

Otsego sees average highs of 22.5°F in January and 83.4°F in July, with 32.9 inches of annual precipitation and 35.7 inches of snow per year.

Metric	Otsego, MN
Average High — January	22.5°F
Average High — July	83.4°F
Annual Precipitation	32.9"
Annual Snowfall	35.7"

Demographics

Metric	Otsego, MN	National Avg
Population	20,455	—
Median Age	34.6	38.9
Unemployment Rate	1.5%	3.7%
Avg Commute Time	34.0 min	26 min
White (non-Hispanic)	86.6%	59.3%
Black or African American	5.2%	13.6%
Hispanic or Latino	1.9%	18.9%
Asian	1.8%	6.3%
Under 18	29.9%	22.2%
65 and over	10.0%	16.8%

Nearby Cities

Albertville, MN 3 mi Elk River, MN 5 mi St. Michael, MN 6 mi Rogers, MN 6 mi Hanover, MN 8 mi

Otsego vs Other Cities

Otsego, MN vs Albertville, MN Otsego, MN vs Elk River, MN Otsego, MN vs St. Michael, MN Otsego, MN vs Rogers, MN Otsego, MN vs Hanover, MN

Frequently Asked Questions

Is Otsego, MN affordable or expensive?

Otsego's cost of living index is 104, where 100 is the national average. That puts Otsego roughly 4% above the national average in cost. The median home price is $351,100 and median rent is $1,595/month.

What is the crime rate in Otsego, MN?

Otsego's violent crime rate is 64.3 per 100,000 residents — the national average is ~380 per 100,000. Property crime is 450.2 per 100,000 (national avg ~2,100). Data from the FBI Uniform Crime Reporting Program.

What are the schools like in Otsego?

Public schools in Otsego are operated by KALEIDOSCOPE CHARTER SCHOOL. The district has 1 elementary, 1 middle, and 1 high schools. The student-to-teacher ratio is 11.4:1. 41.4% of adults 25+ hold a bachelor's degree or higher.

Is Otsego, MN a good place to live?

Otsego, MN has a population of 20,455, a median household income of $122,420, and an unemployment rate of 1.5%. Whether it's right for you depends on your priorities — use the compare tool above to stack it against another city you're considering.

What is the weather like in Otsego?

Otsego averages 22.5°F in January and 83.4°F in July. Annual rainfall is 32.9 inches with about 35.7 inches of snow per year. Based on NOAA 30-year climate normals (1991–2020).

What is the population of Otsego?

The population of Otsego, Minnesota is 20,455 with a median age of 34.6. Source: US Census ACS 5-Year Estimates.

What are the pros and cons of living in Otsego?

Key numbers for living in Otsego: cost of living index 104 (100 = US average), median home $351,100, median household income $122,420, crime index 19 (100 = US average, lower is safer), schools rated A. Whether these are benefits or drawbacks depends on where you're coming from — compare Otsego side by side with your current city to see the trade-offs.