Rows tagged local are specific to Hermantown (Census ACS); state rows are state averages; metro-area rows are inherited from Duluth, MN. Home value is ACS owner-reported (not a Zillow sale price).
School score: 7/10 (district Hermantown Community Schools · NCES EDFacts)
Cost of living
Metric
Value
Scope
US rank
Cost-of-living index (US=100)
87.2
metro-area
#6 of 200 metros
Grocery index (US=100)
96.9
metro-area
#118 of 200 metros
Big Mac price (est.)
$4.96
metro-area
#6 of 200 metros
Median household income
$85,417
local
#1568 of 3,220 cities
Median wage (all occupations)
$48,298
local
#1321 of 3,220 cities
Who lives here
Metric
Value
Scope
US rank
Median age
41.6 years
metro-area
#170 of 200 metros
Bachelor's degree or higher (25+)
30.8%
metro-area
#126 of 200 metros
Foreign-born residents
2.0%
metro-area
#195 of 200 metros
Homes that are owner-occupied
72.9%
metro-area
#21 of 200 metros
Economy
Metric
Value
Scope
US rank
Unemployment rate
1.76%
local
#83 of 3,220 cities
Population growth (5-yr)
+5.5%
local
#1204 of 3,220 cities
Housing — what your money buys
Metric
Value
Scope
US rank
Median home price
$342,500
local
#1678 of 3,220 cities
Home price ÷ income (affordability)
4.0×
local
#1713 of 3,220 cities
1-yr home appreciation
+6.6%
metro-area
#4 of 200 metros
Price per square foot
$190
local
#1700 of 3,220 cities
Typical home size (implied)
1,800 sqft
Median rent (monthly)
$1,187
local
#931 of 3,220 cities
Homes for sale (inventory)
925
Median days on market
7
metro-area
#18 of 200 metros
Taxes
Metric
Value
Scope
US rank
Total tax burden (est. % of income)
12.1%
state
#154 of 200 metros
Combined sales tax
8.10%
state
#114 of 200 metros
State income tax (top rate)
9.85%
Capital gains tax
9.85%
state
#163 of 200 metros
High earners
No special surtax
Social Security in retirement
Taxed — taxes Social Security benefits, but income thresholds and age rules exempt many retirees — check the state's own limits before assuming you would owe
Effective property tax rate
1.29%
local
#2150 of 3,220 cities
Median property tax paid
$4,419
local
#1967 of 3,220 cities
Health & childcare
Metric
Value
Scope
US rank
Life expectancy at birth
76.7 years
metro-area
#93 of 200 metros
Healthcare (annual, single adult)
$6,800
state
#93 of 200 metros
Uninsured (share of residents)
5.7%
metro-area
#33 of 200 metros
Primary care providers per 100k
103
metro-area
#13 of 200 metros
Childcare (annual, infant, center)
$16,000
state
#150 of 200 metros
Vehicles & commute
Metric
Value
Scope
US rank
Annual registration
$200
state
#135 of 200 metros
Vehicle property tax (annual)
1.58% of value (~$442/yr)
state
#161 of 200 metros
Emissions testing
Not required
Emissions detail
No vehicle emissions testing
DMV & license offices
2
Avg commute to work
19 min
local
#114 of 3,220 cities
Commute by driving alone
76.7%
metro-area
#126 of 200 metros
Solo drivers commuting 30+ min
22.8%
metro-area
#29 of 200 metros
Utilities & fuel
Metric
Value
Scope
US rank
Electricity
16.4¢/kWh
state
#81 of 200 metros
Avg monthly electric bill
$148
state
#81 of 200 metros
Gasoline
$3.15/gal
state
#57 of 200 metros
Natural gas (avg monthly bill)
$76
state
#137 of 200 metros
Water & sewer (avg monthly bill)
$77
state
#34 of 200 metros
Home internet (avg monthly bill)
$81
state
#121 of 200 metros
Insurance
Metric
Value
Scope
US rank
Home insurance (annual)
$2,200
state
#129 of 200 metros
Auto insurance (annual)
$1,600
state
#51 of 200 metros
Disaster risk & supplemental insurance
Metric
Value
Scope
US rank
Main natural hazards
Notable hazards: tornadoes — separate flood/quake/windstorm policies may be needed.
FEMA National Risk Index (0–100, higher = more risk)
84.2 — Relatively Moderate
metro-area
#61 of 200 metros
Flood insurance (annual, NFIP)
$600
state
#16 of 200 metros
Earthquake insurance (annual)
$100
state
#1 of 200 metros
Climate & air quality
Metric
Value
Scope
US rank
Air quality (median AQI, lower=cleaner)
39
metro-area
#31 of 200 metros
Cooling degree-days (AC load)
700
metro-area
#25 of 200 metros
Homes with air conditioning (state)
94%
state
#64 of 200 metros
Heating degree-days (heat load)
8,000
metro-area
#197 of 200 metros
Days per year ≥ 90°F
2
metro-area
#6 of 200 metros
Days per year ≥ 100°F
0
metro-area
#5 of 200 metros
Avg summer high (state)
83°F
metro-area
#21 of 200 metros
Avg winter low
4°F
metro-area
#198 of 200 metros
Annual precipitation
31.6"
metro-area
#48 of 200 metros
Annual snowfall
51.2"
metro-area
#181 of 200 metros
Sunshine (% of possible)
58%
metro-area
#105 of 200 metros
Plant hardiness zone
4b
Frost window
05-20 → 09-25
Safety
Metric
Value
Scope
US rank
Violent crime (per 100k, state avg)
280
state
#21 of 200 metros
Property crime (per 100k, state avg)
1,900
state
#63 of 200 metros
Local amenities & recreation
Metric
Value
Scope
US rank
Grocery stores
26
metro-area
#143 of 200 metros
Parks
28
Hiking areas
16
Golf courses
9
Shooting ranges
5
Lakes
5
Permits
Metric
Value
Scope
US rank
Building permit difficulty (1–5)
3
state
#87 of 200 metros
Permit detail
Moderate
US rank = this metro's position among all 200 metros (1 = best: cheapest / safest / highest income, etc.). Childcare is a family cost, not included in the salary-equivalence total.