Otsego, MN demographics:
population, income, and more

Total population
22,245
4.2% year-over-year change
Median household income
$119,927/yr
-5.7% year-over-year change
Housing units
7,757
7.1% year-over-year change

Otsego population

How many people live in Otsego

Otsego is home to 22,245 residents, according to the most recent Census data. Gender-wise, 49.5% of Otsego locals are male, and 50.5% are female.

Total population
22,245
4.2% year-over-year change
Gender ratio
Male
49.5%
11,009
Female
50.5%
11,236
Value Percent YoY change
Male 11,009 49.5% 2.0%
Female 11,236 50.5% 6.3%
A higher population often means more rental variety and livelier areas. The gender balance—how many men live here compared to women—can reveal a lot about the community and the lifestyles of its residents. Use this info to get a sense of the area's pace and personality.

Age demographics

The median age in Otsego is 35, with the population distributed as follows: about 25.3% are children under 15, then 10.9% are in the 15 to 24 age group. Adults between 25 and 44 make up 32% of the population, while another 21.7% fall into the 45 to 64 bracket. Finally, around 10.2% are 65 or older.

Median age
34.9
Age breakdown
Under 15
25.3%
15 to 24
10.9%
25 to 44
32%
45 to 64
21.7%
Over 65
10.2%
Value Percent YoY change
Under 15 5,626 25.3% 1.4%
15 to 24 2,415 10.9% 5.7%
25 to 44 7,118 32% 6.8%
45 to 64 4,829 21.7% 6.7%
Over 65 2,257 10.2% -3.3%
The age composition helps you get insight into who lives in the area. A younger population might mean a more active, fast-paced vibe, while an older one could suggest a quieter, slower lifestyle. If there's a balanced makeup, you’re likely to find a variety of services, housing types, and community spaces that cater to different life stages.

Racial makeup

In Otsego, 89.3% of the population are US-born citizens, while 7.8% have gained naturalized citizenship. At the same time, 2.9% of residents are non-citizens. As for race, 81.1% of locals are Caucasian, 8.2% are African American and 3.6% have Asian roots. Another 0.3% are Indigenous American, 0.1% are Pacific Islanders, while 1.7% identify as another race. There’s also a share of 5% that includes residents with two or more races.

Citizenship
U.S.-born citizens
89.3%
Non-U.S.-born citizens
7.8%
Non-citizens
2.9%
Value Percent YoY change
U.S.-born citizens 19,856 89.3% 0.8%
Non-U.S.-born citizens 1,747 7.8% 40.9%
Non-citizens 642 2.9% 50.0%
Racial breakdown
White
81.1%
Black or African American
8.2%
American Indian and Alaska Native
0.3%
Asian
3.6%
Native Hawaiian and other Pacific Islander
0.1%
Two or more races
5%
Other
1.7%
Value Percent
White 18,038 81.1%
Black or African American 1,817 8.2%
American Indian and Alaska Native 66 0.3%
Asian 807 3.6%
Native Hawaiian and other Pacific Islander 19 0.1%
Two or more races 1,124 5%
Other 374 1.7%

Households in Otsego

A peek inside Otsego households

Otsego has 7,518 households, with an average of 3 members in each. Of these, 74.7% are families, while the remaining 25.3% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
7,518
6.3% year-over-year change
Average people per household
3
Non-family households
1,902
Family households
5,616
Value Percent YoY change
Non-family households 1,902 25.3% 30.6%
Family households 5,616 74.7% -0.0%
The mix between family and non-family households gives a glimpse into daily life. A higher percentage of families might mean more parks and schools, while more non-family setups can mean flexible housing and diverse living styles. For renters, this can signal what kinds of homes are common and can help you figure out if the area matches your lifestyle.

Housing in Otsego

The housing landscape of Otsego

Otsego's housing consists of 7,757 units, with 77.7% being detached single-family homes ideal for those wanting space. Attached options, including duplexes and townhouses, make up 16.2% and offer a more compact, shared living style. Then there are the multifamily buildings in the area, and for those seeking flexibility, non-traditional options like mobile homes account for 3.4% of the housing landscape.

Housing units
7,757
7.1% year-over-year change
Housing types
Value Percent
1 unit, detached 6,029 77.7%
1 unit, attached 1,258 16.2%
3 or 4 units 34 0.4%
5 to 9 units 19 0.2%
10 to 19 units 17 0.2%
20 to 49 units 17 0.2%
50 or more units 87 1.1%
Mobile home 263 3.4%
Boat, RV, van, etc. 33 0.4%
Homes built since 2020
976
107.2% year-over-year change

The age of buildings in Otsego

In Otsego, the median construction year is 2008. About 2.1% of homes were built before the 1940s, with another 0.8% going up by 1949. Most development happened in the second half of the 20th century. Then, 31.4% of homes were added from 2000 to 2009, 32.3% between 2010 and 2019, and 12.6% are part of the newest wave of development.

Construction year breakdown by decade
Value Percent YoY change
Built in 1939 or earlier 162 2.1% 46.0%
Built between 1940 and 1949 59 0.8% 5.4%
Built between 1950 and 1959 122 1.6% 37.1%
Built between 1960 and 1969 24 0.3% -7.7%
Built between 1970 and 1979 797 10.3% 2.6%
Built between 1980 and 1989 254 3.3% 20.9%
Built between 1990 and 1999 426 5.5% -19.0%
Built between 2000 and 2009 2,433 31.4% -13.1%
Built between 2010 and 2019 2,504 32.3% 15.1%
Built in 2020 or later 976 12.6% 107.2%
As a renter, knowing when homes were built helps you understand the potential condition and design of rental units. Newer builds may have more contemporary layouts, while older homes can offer character or larger lots, depending on the area.

Otsego occupancy rates

Out of the 7,518 occupied housing units in Otsego, 92.7% are owner-occupied, while 7.3% are lived in by tenants. Meanwhile, 3.1% of all homes on the local market sit vacant.

Occupied housing units
7,518
6.3% year-over-year change
Occupancy breakdown
Renter occupied
551
Owner occupied
6,967
Value Percent YoY
change
Renter occupied 551 7.3% -11.3%
Owner occupied 6,967 92.7% 8.0%
Unoccupied housing units
3.1%
Unoccupied housing units refer to homes that are currently without residents—whether they're waiting for renters or owners, used seasonally, or simply unclaimed. A higher share of empty homes may mean more housing availability, while a low number can reflect a tighter market with more competition. This, along with the renter-vs.-owner mix, helps paint a clearer picture of what types of housing and services are likely to be available in the area.

Otsego housing costs

Housing costs in Otsego come to a median of $1,938 per month, while tenants specifically pay a median gross rent of $1,765.

Median housing costs per month
$1,938/month
This figure sums up typical monthly housing costs for all households in the area. If you own, it includes mortgage payments in addition to property taxes, insurance and HOA fees. If you rent, it accounts for rent plus extras like utilities. It’s useful for seeing how local living expenses stack up compared to other places.
Median gross rent in Otsego
$1,765/month
Gross rent gives a more complete look at what renters actually pay, including not just base rent, but also utilities and fees. It’s a key number for evaluating rental affordability in your area of interest and understanding how it compares to nearby locations.

Education in Otsego

Otsego education at a glance

About 28.8% of the population in Otsego went to high school, while 20.1% pursued college studies. Another 11.5% earned an associate degree and 30.6% hold a bachelor’s. Meanwhile, 7.4% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
No high school 262 1.7% 215.7%
High school diploma 4,483 28.8% 24.1%
College diploma 3,137 20.1% -0.8%
Associate degree 1,790 11.5% -10.1%
Bachelor's degree 4,771 30.6% 6.8%
Graduate degree 1,147 7.4% -22.0%
A community’s education mix can offer insights into the local economy and housing market. Higher levels of education often align with more job opportunities and stable incomes, which can increase demand for homes and influence both rent prices and rental availability.

Income in Otsego

How much people earn in Otsego

The average annual household income in Otsego was $141,990 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a -0.3% change from the previous year. At the same time, the median income stood at $119,927, reflecting a -5.7% shift over the same period.

Average household income in Otsego
$141,990/year
-0.3% year-over-year change
Median household income in Otsego
$119,927/year
-5.7% year-over-year change

Otsego income by age

In Otsego, households led by residents aged 25 to 44 — usually in the early to mid stages of their careers — have a median income of $141,676. Those with someone between 45 and 64 in charge, often well established professionally, earn $136,250 overall. Younger households, where the main provider is under 25 and just starting out, report a median income of $93,077, while those led by someone over 65, many of whom may be retired, have about $60,854 in earnings. Overall, 96.5% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
Under 25 $93,077 5.2%
25 - 44 $141,676 1.4%
45 - 64 $136,250 -6.6%
Over 65 $60,854 -0.7%
Above poverty level
21,186
Below poverty level
769
Value Percent YoY
change
Above poverty level 21,186 96.5% 1.3%
Below poverty level 769 3.5% 332.0%

Average renter income in Otsego

To get a better sense of what renters earn on average in Otsego, their median household income was $74,599 according to 2022 Census data. In addition, the rent-to-income ratio in the area, at 28.4%, shows what portion of their earnings goes toward housing expenses.

Renter median household income
$74,599
Rent-to-income ratio
28.4%
Understanding the rent-to-income ratio can help renters gauge if local housing costs align with their earnings. A ratio under 30% usually signals affordability, while exceeding this mark means rent is taking a larger-than-recommended bite out of income. That could make it harder for you to cover other costs like transportation, healthcare, or child care.

Employment in Otsego

Workforce and job types in Otsego

The job market in Otsego is powered by 12,190 working residents, spread across a range of industries and roles. 79.2% of the working population are employed in professional or administrative positions, while 20.8% are in hands-on or service-based jobs. Also, 7.7% run their own businesses, 73.8% are employed by private companies, and 8.9% work in the public sector.

Workforce demographics

Working population
12,190
6.9% year-over-year change
White collar
9,653
Blue collar
2,537
Value Percent YoY change
White collar 9,653 79.2% 5.3%
Blue collar 2,537 20.8% 13.7%
Employer type
Self employees
7.7%
Private companies
73.8%
Governmental workers
8.9%
Not for profit companies
9.6%
Value Percent YoY change
Self employees 943 7.7% 1.1%
Private companies 8,994 73.8% 9.8%
Governmental workers 1,082 8.9% -14.3%
Not for profit companies 1,171 9.6% 15.5%
Unemployment rate
1.7%
22.2% year-over-year change

Available workforce

The unemployment rate in Otsego stands at 1.7%, representing the share of the workforce currently without a job and actively looking for one.

For renters, the unemployment rate helps paint a picture of job security and financial stability in the area. Rates around 4% to 5% are considered typical. A lower-than-average rate might suggest strong job prospects and a thriving local economy, while a higher rate could hint at fewer opportunities—both useful to consider when planning a move.

Transportation in Otsego

How people get around in Otsego

Commuting methods vary: 81.7% of residents travel by personal vehicle and 0.2% prefer to walk, while the remaining share relies on public transit or on two wheelers to get from A to B.

Means of transportation
Value Percent YoY change
Car 9,877 81.7% 2.6%
Taxicab 103 0.8% 543.8%
Bus or trolleybus 29 0.2% 866.7%
Walk 23 0.2% -25.8%
Understanding how locals get to work can help you plan your own routine. High car usage might mean you’ll need a vehicle, while strong public transit or walkability could save you the hassle. Commute times also play a big role in quality of life—shorter trips can give you more time for the things you enjoy.

What is the median and average household income in Otsego by zipcode?

Zipcode Population Number of households Median income Average income
55301 13,482 4,700 $129,232 $145,338
55330 45,721 16,375 $115,761 $135,149
55362 20,663 7,742 $91,832 $117,394

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FAQs about Otsego demographics 

What is the total population of Otsego?

Otsego has a total population of 22,245 residents, according to the latest release from the U.S. Census Bureau: the 2019-2023 American Community Survey (ACS) 5-year estimates. This figure changed by +4.2% compared to a year ago.

What is the gender ratio in Otsego?

The gender ratio in Otsego is as follows:
  • 49.5% males (11,009 residents)
  • 50.5% females (11,236 residents)

What is the median age in Otsego?

The median age in Otsego is 34.9.

What is the age distribution of the population in Otsego?

The age distribution in Otsego is as follows:
  • Under 15: 25.3% (5,626 residents)
  • Ages 15-24: 10.9% (2,415 residents)
  • Ages 25-44: 32% (7,118 residents)
  • Ages 45-64: 21.7% (4,829 residents)
  • Over 65: 10.2% (2,257 residents)

What is the racial and ethnic makeup of Otsego?

The racial and ethnic makeup of Otsego is as follows:
  • White: 81.1% (18,038 residents)
  • Black or African American: 8.2% (1,817 residents)
  • American Indian and Alaska Native: 0.3% (66 residents)
  • Asian: 3.6% (807 residents)
  • Native Hawaiian and Other Pacific Islander: 0.1% (19 residents)
  • Two or More Races: 5% (1,124 residents)
  • Other: 1.7% (374 residents)

What percentage of the population in Otsego are U.S.-born citizens?

U.S.-born citizens represent 89.3% of the population in Otsego.

How many housing units are there in Otsego?

There are 7,757 housing units in Otsego, reflecting a +7.1% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

How many households are in Otsego and what is the average household size?

Otsego has a total of 7,518 households, with an average of 3 people in each.

What is the median household income in Otsego?

Otsego has a median household income of $119,927, representing a -5.7% shift from the previous year, according to the U.S. Census Bureau.

What is the employment rate and job market overview for Otsego?

The employment rate is 98.3% in Otsego, with a workforce of 12,190 residents. Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 79.2% (9,653 residents)
  • Blue-collar workers: 20.8% (2,537 residents)

Places of employment:
  • Self-employed: 7.7% (943 residents)
  • Private companies: 73.8% (8,994 residents)
  • Governmental workers: 8.9% (1,082 residents)
  • Not-for-profit companies: 9.6% (1,171 residents)

Data source & methodology

The demographic data on this page was sourced from the latest U.S. Census Bureau release—the 2019–2023 American Community Survey (ACS) 5-year estimates.

The information, issued annually, is compiled and published by the Point2Homes Research Team as soon as new data becomes available.

No representation, guarantee, or warranty is made concerning the accuracy or completeness of modified or aggregated information for particular areas.

Page last updated: September 2025