If you want to retire happily, one place you'll want to consider is the North Star State, named due to it being the most north the country has to offer. Minnesota is a place of gorgeous wilderness, as long as you're mindful of the weather. The summers are hot, and the winters are cold here, so keep that in mind. However, if you're aware of that, you're in for a treat, This state is a hotbed of culture and fun. With that said, what is the cost of living in Minnesota? We'll tell you in the next section.
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If you're looking for a state with a low cost of living, you might be a bit disappointed. Unfortunately, the cost of living is 1.6 points more than the national average. The main reasons for this are the costs of groceries, transportation, and miscellaneous expenses. The rent is slightly higher than the national average as well. However, suppose you can find an area with affordable groceries. In that case, you could be able to even it out through its cost of housing, which is nearly 10 points below the national average, with a median home cost around $70k less than the national average.
Cost-of-living indices
100 = US average. Higher means more expensive.
Housing & rent
Statewide medians and averages.
Whether you're comparing options for a parent or planning ahead for yourself, here's where to start by care level.
Assisted living provides personal care, meals, and daily support for seniors who need help with everyday tasks but not full medical supervision.
Memory care is a specialized type of senior living for people with Alzheimer's disease, dementia, or other cognitive decline.
Independent living is community housing for active seniors who want amenities, social life, and freedom from home upkeep without daily personal-care services.
Home care brings personal-care services and companionship into the senior's own home rather than moving them into a community.
A skilled nursing facility (SNF, often called a nursing home) provides 24-hour licensed medical care and rehabilitation for seniors with serious health conditions.
Senior apartments are age-restricted rental homes - typically for residents 55+ or 62+ - designed for older adults who live independently.
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Hand-picked from our directory
Anoka, MN
3.9 · 33 reviews
Cottage Grove, MN
3.1 · 27 reviews
Anoka, MN
4.0 · 22 reviews
Anoka, MN
3.8 · 22 reviews
Cottage Grove, MN
3.3 · 20 reviews
Anoka, MN
4.3 · 19 reviews
Caregivers who come to you
Lake Elmo, MN
4.5 · 119 reviews
Wayzata, MN
4.6 · 67 reviews
Afton, MN
4.8 · 53 reviews
Andover, MN
4.8 · 20 reviews
Andover, MN
4.9 · 10 reviews
Albertville, MN
4.8 · 10 reviews
55+ housing without daily care
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Guides for families
Resource library
The enhanced premium tax credits that held down Affordable Care Act premiums from 2021 through 2025 have expired, and Congress has not renewed them for 2027. The 400 percent subsidy cliff is back, and adults 50 to 64 face the steepest increases. Here is what changed and what to do during open enrollment.
Resource library
If you claim Social Security early and keep working, 2027 lets you earn more before any benefit is held back. The under-full-retirement-age limit rises to $25,560 a year. Here is how the earnings test works, what counts as earnings, and why the money that is withheld is not actually gone.
Resource library
For two years, a federal program quietly held down the premiums on stand-alone Medicare drug plans. It ends with the 2027 plan year, which is why some Part D premiums could jump more this Open Enrollment than they have recently. Here is what changed, who is affected, and how to protect your drug costs before December 7.
Savings
Costco does not offer senior discounts, but retirees have other ways to save through membership benefits. Compare the annual fee with potential savings on hearing aids, prescriptions, gas, and bulk essentials.
Savings
McDonald's senior discounts vary by location and usually apply to coffee or other beverages. Learn how to check eligibility, request senior pricing, and compare your savings with app offers.
Buying guide
Compare 11 walking shoes for older women, with options for cushioning, stability, wider feet, and easy fastening. This guide covers fit, support, and trade-offs to help you choose a pair for your daily walks.
More beyond care: all savings guides and all buying guides.
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