Elbow Lake CDP, MN population, income and ZIP codes

Elbow Lake CDP is a very small community in Minnesota, with 78 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #817 of 914 ranked by population — larger than 10% of them. The median age here is 40.5 years against 39.1 nationally, a slightly older profile than the country as a whole. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Elbow Lake CDP earn a median of $30,000 a year, 61.8% below the national figure of $78,538 and 60% below the $75,469 median for the 361 Minnesota cities we cover. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 38.5% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in Elbow Lake CDP is valued at $120,800, 60.2% below the national figure and 50% below the $240,400 peer median, while median gross rent runs $600 a month, 57.3% below the national figure, or roughly $7,200 across a full year. A household on the local median income would put about 24% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 4×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 60% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

With 78 residents, a handful of survey responses moves every median on this page. Compare Elbow Lake CDP against its county rather than against national figures.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.