Lutsen, MN population, income and ZIP codes

Lutsen CDP is a very small community in Minnesota, with 234 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #654 of 914 ranked by population — larger than 28% of them. The median age here is 52.1 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. 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 Lutsen CDP earn a median of $78,750 a year, essentially level with the national figure of $78,538 and 4% above the $75,469 median for the 361 Minnesota cities we cover. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 5.6% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in Lutsen CDP is valued at $347,500, 14.5% above the national figure and 45% above the $240,400 peer median, while median gross rent runs $1,013 a month, 28% below the national figure, or roughly $12,156 across a full year. A household on the local median income would put about 15.4% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 4.4×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 86.2% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

A median age of 52.1 puts Lutsen CDP well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages. With 234 residents, a handful of survey responses moves every median on this page. Compare Lutsen CDP against its county rather than against national figures.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. 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.