1st Advantage MortgageIn Hubbard County, Minnesota, the typical household earns $71,995 a year and the typical rent is $905. A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's Minnesota license first.
On this page
- Hubbard County at a glance
- Paychecks and income spread in Hubbard County
- What it costs to live in Hubbard County
- Employment and commuting in Hubbard County
- Hubbard County and the counties next door
- Towns and communities in Hubbard County
- What a median Hubbard County budget can carry
- Borrowing situations common in Hubbard County
- Who lives in Hubbard County, in numbers
- Minnesota rules that apply in Hubbard County
- Before you sign
- More guides for Hubbard County
- Frequently asked questions
Hubbard County at a glance
Hubbard County is home to about 21,831 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 45th most populous of 87 county-level areas in Minnesota. It covers 926 square miles of land, or about 24 people per square mile. No metropolitan area includes Hubbard County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Park Rapids is the biggest of its 6 Census places, at roughly 4,270 people (20% of the county total).
Paychecks and income spread in Hubbard County
The median household income in Hubbard County is $71,995; statewide it is $89,062, so Hubbard County runs 19% below Minnesota as a whole. In the state ranking that is 56th of 87.
| Band | Hubbard County | Compared with Minnesota |
|---|---|---|
| Under $35,000 | 23.1% | +5.8 pts |
| $35,000 to $99,999 | 43.4% | +5.3 pts |
| $100,000 to $199,999 | 27.2% | -3.6 pts |
| $200,000 or more | 6.4% | -7.4 pts |
The spread is wide: 34% of Hubbard County households make $100,000 or more, and 23% make less than $35,000. 10.8% of residents fall below the federal poverty line (statewide: 9.3%). None of these numbers decides a Hubbard County application. Lenders weigh your own documented income against your own debts.
What it costs to live in Hubbard County
Renters in Hubbard County pay a median of $905 a month, 29% below the Minnesota figure of $1,280. 47% of renting households spend 30% or more of income on rent, and 28% spend half or more. Home values center on $282,600, or 3.9 years of median income. The ownership rate is 83%. The median year built is 1985.
| Measure | Hubbard County | Minnesota | Median U.S. county |
|---|---|---|---|
| Median gross rent | $905/mo | $1,280/mo | $877/mo |
| Median home value | $282,600 | $329,300 | $185,300 |
| Owners | 83% | 72% | 75% |
| Rent-burdened renters | 47% | 48% | 45% |
| Burdened owners | 30% | 23% | n/a |
| Vacant units | 39% | 9% | n/a |
Owners with equity have a second option. Weigh a secured line against an unsecured loan by risk as well as cost before you choose (how they compare).
Employment and commuting in Hubbard County
Education and health care employs 25% of working residents, the largest share; retail trade is next with 12%. Construction stands out: 10% of workers here, versus 6% statewide. Averaged over the five survey years, 4.4% of the labor force was out of work and looking. About 73% drive to work alone and 12% have trips of 45 minutes or more. Households without a car make up 4.5% of the total (6.7% statewide).
| Sector | Hubbard County | Compared with Minnesota |
|---|---|---|
| Education and health care | 25.1% | -0.7 pts |
| Retail trade | 12.1% | +1.4 pts |
| Manufacturing | 11.8% | -1.5 pts |
| Construction | 10.3% | +3.9 pts |
| Arts, lodging and food service | 7.9% | +0.7 pts |
| Professional and administrative services | 6.1% | -4.4 pts |
Shorter commutes usually mean lower vehicle costs, which can leave more room for a payment, or for paying a loan off early.
Hubbard County and the counties next door
Nearest neighbors first, measured between county centers (29 to 54 miles). None of the six report a higher median household income than Hubbard County; Becker County is highest at $71,388 and Mahnomen County lowest at $59,441.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Hubbard County | - | $71,995 | $905/mo | 83% |
| Cass County, MN | 29 mi | $68,874 | $863/mo | 86% |
| Wadena County, MN | 35 mi | $61,467 | $746/mo | 74% |
| Clearwater County, MN | 40 mi | $64,475 | $742/mo | 80% |
| Becker County, MN | 41 mi | $71,388 | $920/mo | 77% |
| Mahnomen County, MN | 45 mi | $59,441 | $696/mo | 73% |
| Beltrami County, MN | 54 mi | $68,975 | $1,053/mo | 70% |
Towns and communities in Hubbard County
The table lists the 6 largest of 6 Census places in Hubbard County, by population. Together all 6 hold about 5,383 people, so roughly 75% of residents live outside any named place. This guide covers each of the 6 places and the rural areas around them.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Park Rapids | city | 4,270 | $44,747 | $825 | 14 mi |
| Nevis | city | 496 | $60,268 | $595 | 10 mi |
| Akeley | city | 289 | $44,000 | $1,094 | 11 mi |
| Lake George | CDP | 204 | $84,167 | $1,167 | 6 mi |
| Laporte | city | 71 | $44,375 | n/a | 11 mi |
| Hubbard | CDP | 53 | n/a | n/a | 18 mi |
CDPs are unincorporated communities the Census Bureau defines for counting.
What a median Hubbard County budget can carry
Hubbard County at the medians, through a lender's eyes (what DTI means):
- Median income divided by twelve: $6,000 before taxes
- Median rent: $905, or 15 cents of every gross dollar
- 36% debt-to-income limit: $1,255 left for all other debt payments
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
Borrowing situations common in Hubbard County
A few patterns in the Hubbard County data, and the practical point behind each:
- Retirees. At a median age of 48.6, many borrowers here rely on award letters as proof of income; favor no prepayment penalty.
- Renters under pressure. When 47% pay 30% or more for rent, the smallest loan that solves the problem is the right size.
- Consolidating cards in Hubbard County. Compare the total repaid, not the monthly figure (how).
Who lives in Hubbard County, in numbers
College graduates make up 31% of the adult population. 5.5% of residents have no health coverage.
| Indicator | Hubbard County | All of Minnesota | U.S. county median |
|---|---|---|---|
| Median age | 48.6 | 38.8 | 41.5 |
| Bachelor's or higher | 30.7% | 39.4% | 22.2% |
| No high school diploma | 5.8% | 6.1% | n/a |
| No health insurance | 5.5% | 4.7% | 7.8% |
| No vehicle | 4.5% | 6.7% | 5.4% |
| Work from home | 12.9% | 17.6% | 8.7% |
| Poverty rate | 10.8% | 9.3% | 13.2% |
| Unemployment (ACS) | 4.4% | 4.1% | 4.4% |
| Minutes to work | Hubbard County workers |
|---|---|
| Under 15 min | 36.1% |
| 15 to 29 min | 38.2% |
| 30 to 44 min | 13.6% |
| 45 to 59 min | 5.4% |
| 60+ min | 6.7% |
Minnesota rules that apply in Hubbard County
Hubbard County borrowers fall under statewide rules, enforced by the Minnesota Department of Commerce. Federal complaints: consumerfinance.gov. The Minnesota guide covers state rules in more detail.
Before you sign
Quick steps for Hubbard County:
- Borrow the amount the job needs; extra cash adds interest.
- Prequalify with soft pulls where offered, then compare in writing.
- Verify the Minnesota license before giving out your Social Security number.
- Keep a small cushion so one surprise bill does not mean another loan.
More guides for Hubbard County
The Minnesota guide covers the whole state.
Frequently asked questions
How much do households in Hubbard County earn?
The median is $71,995; 34% earn $100,000 or more and 23% under $35,000. A lender uses your own documented income, not this figure.
How does Hubbard County rent compare with Minnesota?
$905 locally versus $1,280 for the state, 29% below.
Should Hubbard County homeowners use home equity instead?
Maybe, but weigh the risk: 83% of Hubbard County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
I live in a small Hubbard County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Park Rapids, Nevis, Akeley, Lake George, Laporte and 1 more.
Does living in Hubbard County change what I qualify for?
Not in our fit check, which uses only the amount, credit range, income and payments you enter, the same for a Hubbard County resident as anyone. Lenders decide under fair-lending law.