What is the population of Otsego city?

Otsego city has 21,358 residents on Census ACS 2019-2023 ACS 5-year estimates, ranking #55 of 914 in Minnesota.

What is the median household income in Otsego city?

Median household income in Otsego city is $127,219 a year, 62% above the national figure of $78,538.

How much does it cost to rent or buy in Otsego city?

Median gross rent is $1,696 a month and the median home value is $367,200, so rent absorbs about 16% of median household income.

Is Otsego city affordable compared with the rest of the US?

Homes cost about 2.9× the local median income here versus roughly 3.9× nationally, so Otsego city is more affordable to buy in than the typical US market, and rent takes 16% of median income against the 30% cost-burden line.

Aerial view of a dense city center, illustrating the US cities ZIP code directory

Minnesota · Census place 49138

Otsego, MN population, income and ZIP codes

Quick answer

The population of the city of Otsego, Minnesota (Otsego, MN — Census place “Otsego city”) is 21,358 residents, ranking #55 of 914 places in Minnesota. Median household income is $127,219, the median home is worth $367,200 and median gross rent runs $1,696 a month. Looking for the Otsego Minnesota ZIP code list? 3 ZIP codes serve Otsego, MN: 55301, 55330, 55362.

Population: 21,358Otsego city residents
Median household income: $127,219Past 12 months, inflation adjusted
Median home value: $367,200Owner-occupied units
Median gross rent: $1,696Rent plus utilities, monthly
Median age: 34.4 yrsAll residents
Homeownership rate: 91.2%Owner-occupied households

Otsego ZIP codes (Minnesota)

Census ZCTAs whose delivery area overlaps Otsego.

The Otsego MN ZIP code list below covers 3 ZIP codes. Open any one for its population, income, housing and rent profile.

What the numbers mean in Otsego city

Housing cost measured against local earnings.

A household earning the Otsego city median would spend about 16% of gross income on the median rent. The 30% mark is the federal threshold for cost burden, so anything above it signals a stretched rental market. The median home costs 2.9× the median household income; nationally that ratio sits near 4.5×. Poverty affects 0.8% of residents and 91.2% of households own their home.

Source: US Census Bureau, ACS 2019-2023 5-year estimates · rates as published for 2019-2023 ACS 5-year

Otsego city, MN in context

How this area compares with national benchmarks.

Otsego city is a mid-size town in Minnesota, with 21,358 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #55 of 914 ranked by population — larger than 94% of them. The median age here is 34.4 years against 39.1 nationally, a slightly younger profile than the country as a whole. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in Otsego city earn a median of $127,219 a year, 62% above the national figure of $78,538 and 69% 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 0.8% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in Otsego city is valued at $367,200, 21% above the national figure and 53% above the $240,400 peer median, while median gross rent runs $1,696 a month, 20.6% above the national figure, or roughly $20,352 across a full year. A household on the local median income would put about 16% 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 2.9×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 91.2% 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. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

All values below were released by the Census for this exact geography, with no gap-filling on our side. 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.

Compare with nearby places

Places of similar size in Minnesota.

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Frequently asked questions

Common questions about this area.

What is the population of Otsego city?: Otsego city has 21,358 residents on Census ACS 2019-2023 ACS 5-year estimates, ranking #55 of 914 in Minnesota.
What is the median household income in Otsego city?: Median household income in Otsego city is $127,219 a year, 62% above the national figure of $78,538.
How much does it cost to rent or buy in Otsego city?: Median gross rent is $1,696 a month and the median home value is $367,200, so rent absorbs about 16% of median household income.
Is Otsego city affordable compared with the rest of the US?: Homes cost about 2.9× the local median income here versus roughly 3.9× nationally, so Otsego city is more affordable to buy in than the typical US market, and rent takes 16% of median income against the 30% cost-burden line.
How current is this Otsego city data?: All figures come from the US Census Bureau American Community Survey 2019-2023 ACS 5-year five-year estimates. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.