Moving to Minnesota: What New Residents Need to Know

Moving to Minnesota: What New Residents Need to Know

Thinking about moving to Minnesota? You’re not alone. From bustling metro life in the Twin Cities to quiet lakeside living in northern towns, Minnesota continues to attract people for its quality of life, strong job market, and abundant natural beauty. But there’s more to the North Star State than snow and lakes.

Whether you’re relocating for work, family, or just a change of scenery, this guide covers everything you need to know before making Minnesota your home.

Why Are So Many People Moving to Minnesota?

Minnesota consistently ranks high for livability, healthcare, and education. Key reasons people move here include:

• A strong job market in healthcare, technology, finance, and manufacturing 
• Top-ranked public schools and universities 
• Affordable cost of living compared to coastal cities 
• Vibrant arts, sports, and outdoor culture 

Cities like Minneapolis, St. Paul, Rochester, and Duluth all offer different flavors of Minnesota life.

What Is the Cost of Living in Minnesota?

The cost of living in Minnesota is moderate compared to national averages. Here’s what to expect:

• Housing: Home prices vary widely. In Minneapolis, the median is around $350,000. In smaller towns, it’s much lower. 
• Groceries and utilities: Slightly above average, especially in the winter months. 
• Transportation: Minnesota has well-maintained roads and public transit in urban areas. 
• Taxes: Minnesota has a progressive income tax and above-average property tax rates. 

Planning ahead with a mortgage expert—like the team at First Class Mortgage—can help you choose the right area based on your budget.

What Is the Weather Really Like?

Let’s address the elephant in the room: yes, it gets cold.

• Winters can be long, with snow starting as early as October and lasting into April. Temperatures can dip below zero. 
• Summers are warm and humid, with highs in the 70s and 80s. 
• Fall and spring offer short but beautiful transitions with vibrant colors and outdoor festivals. 

With proper gear and a sense of humor, many Minnesotans embrace the seasons—and stay active year-round.

Where Are the Best Places to Live in Minnesota?

Your ideal Minnesota city depends on your lifestyle.

• Minneapolis/St. Paul (Twin Cities): Diverse, vibrant, and packed with culture, dining, and job opportunities. 
• Rochester: A growing medical hub, home to the Mayo Clinic. 
• Duluth: Scenic lake views, access to nature, and a slower pace. 
• Maple Grove, MN: A highly-rated suburb with excellent schools, shopping, and community events—home to First Class Mortgage. 

Families, young professionals, and retirees alike can find a city or town that fits their goals.

What Are the Job Opportunities in Minnesota?

Minnesota boasts a robust economy and low unemployment rate. Top industries include:

• Healthcare (Mayo Clinic, UnitedHealth Group) 
• Manufacturing and engineering 
• Technology and software development 
• Agriculture and food production 
• Retail and logistics (Target is headquartered in Minneapolis) 

The state’s median household income is higher than the national average, and many companies offer strong benefits packages.

Is Minnesota a Good Place to Raise a Family?

Yes—and it’s one of the top reasons people move here.

• Highly ranked public and private schools 
• Low crime in suburban and rural areas 
• Tons of parks, trails, and family-friendly activities 
• Community-oriented culture with strong civic engagement 

Towns like Maple Grove, Eden Prairie, Woodbury, and Chanhassen frequently land on “Best Places to Raise a Family” lists.

What Should I Know About Buying a Home in Minnesota?

Minnesota has a stable housing market, but competitive areas like the Twin Cities require preparation.

Before you buy:

• Get pre-approved. First Class Mortgage can help you assess your options. 
• Understand property taxes. They vary by county and affect your monthly payment. 
• Look for local programs. Minnesota offers down payment assistance and first-time homebuyer incentives. 

A trusted local lender can help you navigate the process and find programs that match your needs.

What Are Some Unique Things About Living in Minnesota?

Life in Minnesota comes with quirks you’ll learn to love:

• “Minnesota Nice” is real—expect politeness and helpful neighbors. 
• The State Fair is one of the country’s largest, with deep-fried everything. 
• Up North means cabins, lakes, and summer weekends of fishing or boating. 
• Hockey is not a sport—it’s a way of life. 
• Residents have deep pride in their communities and seasons. 

How Do I Register for Schools, Licenses, and Utilities?

Here’s what to do when you arrive:

• Driver’s License & Vehicle Registration: Visit a DVS office within 60 days. 
• School Enrollment: Contact your local district office with proof of residency. 
• Utilities: Most areas have electric and gas providers like Xcel Energy and CenterPoint. 
• Voter Registration: You can register online or in person when getting your license. 

If you’re buying a home, your real estate agent and lender can walk you through the rest.

Final Tips for a Smooth Move to Minnesota

• Visit in different seasons before settling on a location. 
• Budget for winter gear—it’s an investment. 
• Partner with a local mortgage professional for homebuying guidance. 
• Explore local communities before committing—each city has a different vibe. 

Minnesota has a reputation for community, opportunity, and natural beauty. With the right plan in place, it can be one of the best moves you ever make.

Planning to Buy a Home in Minnesota?

First Class Mortgage in Maple Grove is ready to help you make your move stress-free and affordable.

Call (763) 416-6789 or schedule a call to get started today.