Cost of Living in Minnesota for a Family of Four (2026)
A family of four in Minnesota needs about $7,597 a month ($91,168 a year) to cover a typical household budget before saving. That is 2% below the U.S. average of $7,777 and ranks #22 of 51, where #1 is the most expensive.
Minnesota's rent level is 91% of the national average, so a typical three-bedroom rental with utilities runs about $1,853 a month, compared with $2,030 nationally. Everyday goods such as groceries and clothing cost 1% more than the national average, which puts this family's grocery bill at about $1,048 a month on the USDA low-cost food plan.
To cover this budget and still save 15% of take-home pay, a family would need about $8,938 a month after taxes ($107,256 a year).
Monthly budget in Minnesota by household
The family is two parents aged 38 and 40 with children aged 9 and 4, the youngest in paid childcare, renting a three-bedroom home. The couple is two adults aged 35 and the single adult is 30, each renting a one-bedroom home.
| Category | Family of four | Couple | Single adult |
|---|---|---|---|
| Housing & utilities | $1,853 | $1,211 | $1,211 |
| Groceries | $1,048 | $656 | $358 |
| Dining out & takeout | $262 | $164 | $89 |
| Transportation | $1,235 | $1,235 | $617 |
| Health care | $701 | $461 | $230 |
| Childcare | $1,084 | $0 | $0 |
| Phone & internet | $155 | $155 | $115 |
| Clothing | $219 | $155 | $109 |
| Household & personal care | $254 | $179 | $127 |
| Entertainment & hobbies | $401 | $283 | $200 |
| Gifts, giving & other | $386 | $273 | $193 |
| Total per month | $7,597 | $4,772 | $3,251 |
| Total per year | $91,168 | $57,269 | $39,014 |
Estimates for 2026 from LifeCalculator's family budget model: BEA Regional Price Parities by state (2024, released February 2026), USDA Food Plans: Cost of Food at Home (August 2026, low-cost plan), BLS Consumer Expenditure Survey (2024), Census median gross rent (2024) and Child Care Aware of America (2025). Figures from 2024 are adjusted by about 5% for price changes since. Savings and income taxes are not included.
What moves the number
- Childcare. Paid care for the 4-year-old adds about $1,084 a month. Without it, the family budget falls to about $6,514.
- Housing. The figure assumes renting at the state's typical level. Rents in big cities run well above the state average, and rural areas well below it.
- Cars. Transportation assumes typical costs for two drivers, including a car payment. Families with paid-off cars spend less.
- Price level. Overall, prices in Minnesota are 1% below the national average (BEA all-items index 98.6).
States with similar costs
- Utah: $7,800 a month (#19)
- Illinois: $7,770 a month (#20)
- Delaware: $7,713 a month (#21)
- Texas: $7,572 a month (#23)
- Georgia: $7,431 a month (#24)
- Pennsylvania: $7,416 a month (#25)
See all 50 states and D.C. on the cost of living by state page, or read what it costs a family of four to live in every state.
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