Cost of Living in Otsego, MN - Updated Prices & Insights

Solo nomad: Estimated monthly costs are $902 (excluding rent), and $2,502 including rent.

Family of 3: Estimated monthly costs are $2,014 (excluding rent), and $4,713 including rent.

Meal at Budget Restaurant

$12.22 $12.22

$45.84 $45.84

Three-Course Dinner for Two, Mid-Range

$65.6 $65.6

$59.6 $59.6

$99.4 $99.4

Fast Food Meal (McDonalds, etc)

$9.96 $9.96

$11.96 $11.96

Cappuccino

$5.11 $5.11

$2.98 $2.98

$6.94 $6.94

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$1.99 $1.99

$3.97 $3.97

Water (0.33 liter bottle)

$2.42 $2.42

$1.99 $1.99

$2.98 $2.98

Local Beer (0.5 liter draught)

$5.83 $5.83

$3.69 $3.69

$7.77 $7.77

Imported Beer (0.33 liter bottle)

$7.15 $7.15

$6.12 $6.12

$12.25 $12.25

Milk (1 liter)

$0.84 $0.84

$0.76 $0.76

$1.28 $1.28

White Bread (500g)

$4.19 $4.19

$1.93 $1.93

$6.59 $6.59

Rice (white) (1kg)

$3.82 $3.82

$2.57 $2.57

$4.96 $4.96

Eggs

$3.32 $3.32

$1.73 $1.73

$4.1 $4.1

Local Cheese (1kg)

$9.15 $9.15

$6.45 $6.45

$17.22 $17.22

Chicken Fillets (1kg)

$11.76 $11.76

$5.55 $5.55

$22.21 $22.21

Beef Round Steak (1kg)

$14.45 $14.45

$12.25 $12.25

$22.27 $22.27

Apples (1kg)

$4.33 $4.33

$2.72 $2.72

$8.69 $8.69

Banana (1kg)

$1.15 $1.15

$1.05 $1.05

$3.83 $3.83

Oranges (1kg)

$5.67 $5.67

$3.24 $3.24

$12.97 $12.97

Tomato (1kg)

$5.28 $5.28

$3.37 $3.37

$8.3 $8.3

Potato (1kg)

$3.97 $3.97

$2.26 $2.26

$9.08 $9.08

Onion (1kg)

$3.61 $3.61

$2.04 $2.04

$6.45 $6.45

Lettuce (1 head)

$2.02 $2.02

$1.52 $1.52

$3.03 $3.03

Water (1.5 liter bottle)

$1.89 $1.89

$1.07 $1.07

$2.43 $2.43

Cigarettes 20 Pack (Marlboro, Camel)

$10.67 $10.67

$10.16 $10.16

$11.18 $11.18

Wine (Bottle)

$13.88 $13.88

$5.95 $5.95

$14.87 $14.87

Local Beer (0.5 liter bottle)

$1.7 $1.7

$2.81 $2.81

Imported Beer (0.33 liter bottle)

$4.52 $4.52

$2.01 $2.01

$5.02 $5.02

One-way Ticket (Public Transport)

$1.99 $1.99

$1.24 $1.24

$1.99 $1.99

Taxi Start (Normal Tariff)

$5.03 $5.03

$3.27 $3.27

$8.04 $8.04

Taxi (Normal Tariff) (1km)

$1.38 $1.38

$1.22 $1.22

$1.53 $1.53

Taxi 1hour Waiting (Normal Tariff)

$29.17 $29.17

$26.38 $26.38

$34.97 $34.97

Gasoline (1 liter)

$0.8 $0.8

$0.71 $0.71

$0.91 $0.91

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$35.3K $35.3K

$24.4K $24.4K

$35.8K $35.8K

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$25.1K $25.1K

$24.5K $24.5K

$25.9K $25.9K

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$217 $217

$123 $123

$299 $299

SIM Card Monthly Plan (Calls and 10GB+ Data)

$47.77 $47.77

$32.45 $32.45

$88.5 $88.5

Internet (50+ Mbps, Unlimited Data)

$64.7 $64.7

$44.77 $44.77

$99.5 $99.5

Gym Membership (Monthly)

$43.15 $43.15

$17.56 $17.56

$50.2 $50.2

Cinema Ticket

$14.2 $14.2

$12.17 $12.17

$15.22 $15.22

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$1,463 $1,463

$967 $967

$2,014 $2,014

International Primary School, 1 Child (Yearly)

$30.4K $30.4K

Jeans (Levis 501 Or Similar)

$39.27 $39.27

$23.16 $23.16

$101 $101

Summer Dress (H&M, Zara, etc)

$41.6 $41.6

$29.71 $29.71

$64.4 $64.4

Sport Shoes (Adidas, Nike)

$85.2 $85.2

$60.4 $60.4

$121 $121

Men's Leather Business Shoes

$127 $127

$59.7 $59.7

$199 $199

1-bedroom Apartment, City Center (Monthly)

$1,596 $1,596

$1,196 $1,196

$1,850 $1,850

1-bedroom Apartment, Outside City Center (Monthly)

$1,367 $1,367

$1,010 $1,010

$1,515 $1,515

3-bedroom Apartment, City Center (Monthly)

$2,674 $2,674

$2,033 $2,033

$3,050 $3,050

3-bedroom Apartment, Outside City Center (Monthly)

$2,249 $2,249

$1,721 $1,721

$2,531 $2,531

Buy Apartment in City Center (m2)

$2,693 $2,693

$1,975 $1,975

$2,693 $2,693

Buy Apartment Outside City Center (m2)

$2,257 $2,257

$1,843 $1,843

$2,257 $2,257

20-Year Fixed Mortgage Interest Rate (Annual %)

6.43

6.8

Citycost data is based on AI and user input – minor inaccuracies may occur.

Last update: November 30, 2025

Digital Nomad Cost of Living Index

City tags:

🌎 North america

Cost of Living in Otsego, MN - Frequently Asked Questions

Cost of Living in Otsego, MN, United States tends to feel more manageable than big-city hubs while keeping essential services within reach. For travelers and nomads, the town offers a practical balance: solid housing options, familiar groceries, and nearby coworking spaces without the steep rents of urban cores. Compare commute times and daily expenses to metro areas, and you’ll notice a calmer pace with room to save for trips or longer stays. Seasonal logistics matter: summers are pleasant, winters require warm gear and planning for snow. Tip: draft a flexible weekly plan that pairs errands with nearby amenities to minimize back-and-forth trips.

Daily life in Otsego centers on a suburban rhythm with easy access to the Twin Cities. When housing search, look for practical layouts near the town’s edges and quiet streets rather than dense developments. Food options balance familiar groceries with local spots and seasonal markets. For getting around, a car is common, but regional buses and rideshares help with trips to the metro area. Otsego, MN, United States living cost sits at a comfortable pace that supports occasional travel and flexible coworking days. Tip: map a few dependable errands and a nearby café to anchor your week.

Quality of life in Otsego blends safety, space, and proximity to city amenities. Use a simple budgeting framework: cover housing and utilities first, then groceries and transit, then personal time and activities. Look for neighborhoods with parks, schools, and easy access to coworking hubs to reduce daily trips. Plan around seasonality: heating in winter, lighter outdoor activities in milder months, and occasional seasonal events that add value without breaking the bank. Neighborhood fit matters for daily rhythm – favor areas with walkable strips and consistent services. Tip: keep a running list of preferred spots and revisit it after each seasonal shift to stay aligned with your goals.