Minnesota · Census place 65956
Two Harbors, MN population, income and ZIP codes
Quick answer
The population of the city of Two Harbors, Minnesota (Two Harbors, MN — Census place “Two Harbors city”) is 3,598 residents, ranking #191 of 914 places in Minnesota. Median household income is $62,885, the median home is worth $187,100 and median gross rent runs $879 a month. Looking for the Two Harbors Minnesota ZIP code list? 1 ZIP codes serve Two Harbors, MN: 55616.
- Population
- 3,598Two Harbors city residents
- Median household income
- $62,885Past 12 months, inflation adjusted
- Median home value
- $187,100Owner-occupied units
- Median gross rent
- $879Rent plus utilities, monthly
- Median age
- 41.5 yrsAll residents
- Homeownership rate
- 71.6%Owner-occupied households
Two Harbors ZIP codes (Minnesota)
Census ZCTAs whose delivery area overlaps Two Harbors.
The Two Harbors MN ZIP code list below covers 1 ZIP code. Open any one for its population, income, housing and rent profile.
What the numbers mean in Two Harbors city
Housing cost measured against local earnings.
A household earning the Two Harbors city median would spend about 16.8% 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 3.0× the median household income; nationally that ratio sits near 4.5×. Poverty affects 12% of residents and 71.6% of households own their home.
Source: US Census Bureau, ACS 2019-2023 5-year estimates · rates as published for 2019-2023 ACS 5-year
Two Harbors city, MN in context
How this area compares with national benchmarks.
Two Harbors city is a small town in Minnesota, with 3,598 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #191 of 914 ranked by population — larger than 79% of them. The median age here is 41.5 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 Two Harbors city earn a median of $62,885 a year, 19.9% below the national figure of $78,538 and 17% below 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 12% of residents here, below the 12.4% national rate.
The typical owner-occupied home in Two Harbors city is valued at $187,100, 38.3% below the national figure and 22% below the $240,400 peer median, while median gross rent runs $879 a month, 37.5% below the national figure, or roughly $10,548 across a full year. A household on the local median income would put about 16.8% 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 3×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 71.6% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.
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.
Compare with nearby places
Places of similar size in Minnesota.
- Perham city 3,577
- Melrose city 3,608
- St. Augusta city 3,576
- Long Prairie city 3,683
- Plainview city 3,501
- Pine Island city 3,693
- Hanover city 3,495
- Independence city 3,695
Keep going
More Minnesota coverage.
Frequently asked questions
Common questions about this area.
- What is the population of Two Harbors city?
- Two Harbors city has 3,598 residents on Census ACS 2019-2023 ACS 5-year estimates, ranking #191 of 914 in Minnesota.
- What is the median household income in Two Harbors city?
- Median household income in Two Harbors city is $62,885 a year, 19.9% below the national figure of $78,538.
- How much does it cost to rent or buy in Two Harbors city?
- Median gross rent is $879 a month and the median home value is $187,100, so rent absorbs about 16.8% of median household income.
- Is Two Harbors city affordable compared with the rest of the US?
- Homes cost about 3× the local median income here versus roughly 3.9× nationally, so Two Harbors city is more affordable to buy in than the typical US market, and rent takes 16.8% of median income against the 30% cost-burden line.
- How current is this Two Harbors city data?
- All figures come from the US Census Bureau American Community Survey 2019-2023 ACS 5-year five-year estimates. 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.