Two Harbors, MN demographics:
population, income, and more

Total population
3,567
-0.9% year-over-year change
Median household income
$65,625/yr
4.4% year-over-year change
Housing units
1,785
2.1% year-over-year change

Two Harbors population

How many people live in Two Harbors

Two Harbors is home to 3,567 residents, according to the most recent Census data. Gender-wise, 50.5% of Two Harbors locals are male, and 49.5% are female.

Total population
3,567
-0.9% year-over-year change
Gender ratio
Male
50.5%
1,801
Female
49.5%
1,766
Value Percent YoY change
Male 1,801 50.5% -0.9%
Female 1,766 49.5% -0.8%
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 Two Harbors is 41, with the population distributed as follows: about 19.3% are children under 15, then 10.1% are in the 15 to 24 age group. Adults between 25 and 44 make up 27.1% of the population, while another 24.1% fall into the 45 to 64 bracket. Finally, around 19.5% are 65 or older.

Median age
41.2
Age breakdown
Under 15
19.3%
15 to 24
10.1%
25 to 44
27.1%
45 to 64
24.1%
Over 65
19.5%
Value Percent YoY change
Under 15 688 19.3% -9.6%
15 to 24 360 10.1% 6.5%
25 to 44 966 27.1% 1.4%
45 to 64 859 24.1% 2.5%
Over 65 694 19.5% -2.0%
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 Two Harbors, 98.3% of the population are US-born citizens, while 1% have gained naturalized citizenship. At the same time, 0.7% of residents are non-citizens. There’s also a share of 4.3% that includes residents with two or more races.

Citizenship
U.S.-born citizens
98.3%
Non-U.S.-born citizens
1%
Non-citizens
0.7%
Value Percent YoY change
U.S.-born citizens 3,505 98.3% -2.0%
Non-U.S.-born citizens 37 1% 3,600.0%
Non-citizens 25 0.7% 31.6%
Racial breakdown
White
93.5%
Black or African American
0.6%
American Indian and Alaska Native
1.1%
Asian
0%
Native Hawaiian and other Pacific Islander
0%
Two or more races
4.3%
Other
0.5%
Value Percent
White 3,336 93.5%
Black or African American 22 0.6%
American Indian and Alaska Native 38 1.1%
Native Hawaiian and other Pacific Islander 1 0%
Two or more races 153 4.3%
Other 17 0.5%

Households in Two Harbors

A peek inside Two Harbors households

Two Harbors has 1,545 households, with an average of 2 members in each. Of these, 58.2% are families, while the remaining 41.8% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
1,545
2.9% year-over-year change
Average people per household
2
Non-family households
645
Family households
900
Value Percent YoY change
Non-family households 645 41.8% 19.4%
Family households 900 58.2% -6.4%
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 Two Harbors

The housing landscape of Two Harbors

Two Harbors's housing consists of 1,785 units, with 62.6% being detached single-family homes ideal for those wanting space. Attached options, including duplexes and townhouses, make up 6% 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 0.6% of the housing landscape.

Housing units
1,785
2.1% year-over-year change
Housing types
Value Percent
1 unit, detached 1,117 62.6%
1 unit, attached 108 6%
2 units 201 11.3%
3 or 4 units 24 1.3%
5 to 9 units 59 3.3%
10 to 19 units 69 3.9%
20 to 49 units 129 7.2%
50 or more units 68 3.8%
Mobile home 10 0.6%
Homes built since 2020
0
% year-over-year change

The age of buildings in Two Harbors

In Two Harbors, the median construction year is 1951. About 42% of homes were built before the 1940s, with another 5.8% going up by 1949. Most development happened in the second half of the 20th century.

Construction year breakdown by decade
Value Percent YoY change
Built in 1939 or earlier 749 42% 7.8%
Built between 1940 and 1949 104 5.8% 19.5%
Built between 1950 and 1959 329 18.4% -17.1%
Built between 1960 and 1969 154 8.6% 60.4%
Built between 1970 and 1979 176 9.9% -7.8%
Built between 1980 and 1989 19 1.1% -69.3%
Built between 1990 and 1999 73 4.1% 1.4%
Built between 2000 and 2009 139 7.8% 20.9%
Built between 2010 and 2019 42 2.4% 23.5%
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.

Two Harbors occupancy rates

Out of the 1,545 occupied housing units in Two Harbors, 68.2% are owner-occupied, while 31.8% are lived in by tenants. Meanwhile, 13.4% of all homes on the local market sit vacant.

Occupied housing units
1,545
2.9% year-over-year change
Occupancy breakdown
Renter occupied
491
Owner occupied
1,054
Value Percent YoY
change
Renter occupied 491 31.8% 15.3%
Owner occupied 1,054 68.2% -2.0%
Unoccupied housing units
13.4%
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.

Two Harbors housing costs

Housing costs in Two Harbors come to a median of $1,087 per month, while tenants specifically pay a median gross rent of $1,079.

Median housing costs per month
$1,087/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 Two Harbors
$1,079/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 Two Harbors

Two Harbors education at a glance

About 39% of the population in Two Harbors went to high school, while 20.6% pursued college studies. Another 18.3% earned an associate degree and 13.7% hold a bachelor’s. Meanwhile, 6.6% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
No high school 49 1.8% -5.8%
High school diploma 1,067 39% -2.4%
College diploma 565 20.6% 2.5%
Associate degree 500 18.3% 15.2%
Bachelor's degree 375 13.7% -1.3%
Graduate degree 182 6.6% 12.3%
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 Two Harbors

How much people earn in Two Harbors

The average annual household income in Two Harbors was $73,929 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a +3.1% change from the previous year. At the same time, the median income stood at $65,625, reflecting a +4.4% shift over the same period.

Average household income in Two Harbors
$73,929/year
3.1% year-over-year change
Median household income in Two Harbors
$65,625/year
4.4% year-over-year change

Two Harbors income by age

In Two Harbors, households led by residents aged 25 to 44 — usually in the early to mid stages of their careers — have a median income of $71,087. Those with someone between 45 and 64 in charge, often well established professionally, earn $80,605 overall. Overall, 88.2% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
25 - 44 $71,087 0.8%
45 - 64 $80,605 1.1%
Over 65 $46,207 16.2%
Above poverty level
3,041
Below poverty level
407
Value Percent YoY
change
Above poverty level 3,041 88.2% 0.2%
Below poverty level 407 11.8% -3.1%

Average renter income in Two Harbors

To get a better sense of what renters earn on average in Two Harbors, their median household income was $24,754 according to 2022 Census data. In addition, the rent-to-income ratio in the area, at 52.3%, shows what portion of their earnings goes toward housing expenses.

Renter median household income
$24,754
Rent-to-income ratio
52.3%
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 Two Harbors

Workforce and job types in Two Harbors

The job market in Two Harbors is powered by 1,736 working residents, spread across a range of industries and roles. 73.4% of the working population are employed in professional or administrative positions, while 26.6% are in hands-on or service-based jobs. Also, 5.8% run their own businesses, 67.9% are employed by private companies, and 11.9% work in the public sector.

Workforce demographics

Working population
1,736
5.5% year-over-year change
White collar
1,275
Blue collar
461
Value Percent YoY change
White collar 1,275 73.4% 7.8%
Blue collar 461 26.6% -0.2%
Employer type
Self employees
5.8%
Private companies
67.9%
Governmental workers
11.9%
Not for profit companies
14.4%
Value Percent YoY change
Self employees 101 5.8% 20.2%
Private companies 1,178 67.9% 0.9%
Governmental workers 207 11.9% 11.3%
Not for profit companies 250 14.4% 20.2%
Unemployment rate
0.3%
-64.7% year-over-year change

Available workforce

The unemployment rate in Two Harbors stands at 0.3%, 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 Two Harbors

How people get around in Two Harbors

Commuting methods vary: 88.4% of residents travel by personal vehicle and 6% 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 1,489 88.4% 6.3%
Bus or trolleybus 14 0.8% 40.0%
Bicycle 12 0.7% -7.7%
Walk 102 6% -23.9%
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 Two Harbors by zipcode?

Zipcode Population Number of households Median income Average income
55607 192 74 $87,857 $92,289
55609 131 75 $78,208 $62,496
55616 7,250 3,070 $76,127 $91,022

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FAQs about Two Harbors demographics 

What is the total population of Two Harbors?

Two Harbors has a total population of 3,567 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 -0.9% compared to a year ago.

What is the gender ratio in Two Harbors?

The gender ratio in Two Harbors is as follows:
  • 50.5% males (1,801 residents)
  • 49.5% females (1,766 residents)

What is the median age in Two Harbors?

The median age in Two Harbors is 41.2.

What is the age distribution of the population in Two Harbors?

The age distribution in Two Harbors is as follows:
  • Under 15: 19.3% (688 residents)
  • Ages 15-24: 10.1% (360 residents)
  • Ages 25-44: 27.1% (966 residents)
  • Ages 45-64: 24.1% (859 residents)
  • Over 65: 19.5% (694 residents)

What is the racial and ethnic makeup of Two Harbors?

The racial and ethnic makeup of Two Harbors is as follows:
  • White: 93.5% (3,336 residents)
  • Black or African American: 0.6% (22 residents)
  • American Indian and Alaska Native: 1.1% (38 residents)
  • Asian: 0% (0 residents)
  • Native Hawaiian and Other Pacific Islander: 0% (1 residents)
  • Two or More Races: 4.3% (153 residents)
  • Other: 0.5% (17 residents)

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

U.S.-born citizens represent 98.3% of the population in Two Harbors.

How many housing units are there in Two Harbors?

There are 1,785 housing units in Two Harbors, reflecting a +2.1% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

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

Two Harbors has a total of 1,545 households, with an average of 2 people in each.

What is the median household income in Two Harbors?

Two Harbors has a median household income of $65,625, representing a +4.4% shift from the previous year, according to the U.S. Census Bureau.

What is the employment rate and job market overview for Two Harbors?

The employment rate is 99.7% in Two Harbors, with a workforce of 1,736 residents. Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 73.4% (1,275 residents)
  • Blue-collar workers: 26.6% (461 residents)

Places of employment:
  • Self-employed: 5.8% (101 residents)
  • Private companies: 67.9% (1,178 residents)
  • Governmental workers: 11.9% (207 residents)
  • Not-for-profit companies: 14.4% (250 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