Blaine is considered moderately affordable in 2025, with average rent for a 2-bedroom apartment at $1,450 and slightly lower grocery costs compared to the national average.
Living comfortably in Blaine, MN requires a gross monthly income of around $3,800 for a single person or $5,200 for a couple in 2025. While moving to this Twin Cities suburb can mean savings on groceries and utilities compared to nearby Minneapolis, housing costs still make up a significant portion of the monthly budget.
Housing Costs in Blaine
Blaine offers a mix of housing options, from apartments and townhomes to single-family homes. Rent for a typical 2-bedroom apartment ranges from $1,300 to $1,600 per month, with an average of $1,450. Newer complexes with amenities like in-unit laundry and covered parking tend to fall on the higher end of that range.
For those looking to purchase a home, a 3-bedroom house in Blaine averages around $350,000 as of 2025. Monthly mortgage payments on a median-priced home come to roughly $1,800, assuming a 20% down payment. Some neighborhoods, especially those near lakes or parks, may have additional HOA fees of $200-300 per month.
Here’s a comparison of average housing costs in Blaine:
- 2-bedroom apartment rent: $1,450/month
- 3-bedroom house price: $350,000
- Mortgage payment (median home): $1,800/month
- Typical HOA fees: $200-300/month
Utilities and Energy Bills
Basic utility costs in Blaine, including electricity, natural gas, water, and trash, average about $180 per month for a 2-bedroom apartment. Expect higher heating bills in the winter months due to Minnesota’s cold climate. Internet and cable packages start around $70/month.
| Utility | Average Monthly Cost |
|---|---|
| Electricity | $80 |
| Natural gas | $60 |
| Water/Sewer/Trash | $40 |
| Internet | $70 |
Groceries and Daily Expenses
Blaine residents spend an average of $350 per person per month on groceries, which is slightly lower than the national average. A gallon of milk costs around $3.50, while a dozen eggs are about $2.20. Dining out at a mid-range restaurant runs $15-20 per meal.
Here’s an example of a typical grocery basket in Blaine:
- Gallon of milk: $3.50
- Loaf of bread: $2.80
- Dozen eggs: $2.20
- Pound of chicken: $4.50
Taxes and Fees
Blaine’s property tax rate is around 1.2% of assessed home value, which translates to $4,200 annually for a $350,000 house. Minnesota also has a 6.875% sales tax on most purchases. Vehicle registration fees are $35 plus an additional $10 for every $200 in value over $3,000.
| Tax/Fee Type | Rate |
|---|---|
| Property tax | 1.2% |
| Sales tax | 6.875% |
| Vehicle registration | $35 + $10 per $200 over $3,000 value |
Monthly Budget Summary
| Expense Category | Single Person | Couple | Family of 4 |
|---|---|---|---|
| Housing (rent/mortgage) | $1,450 | $1,800 | $1,800 |
| Utilities | $180 | $220 | $300 |
| Groceries | $350 | $700 | $1,200 |
| Transportation | $200 | $350 | $500 |
| Healthcare | $250 | $500 | $800 |
| Other necessities | $400 | $600 | $1,000 |
| Total Monthly Budget | $2,830 | $4,170 | $5,600 |
| Comfortable Gross Income | $3,800 | $5,200 | $7,500 |
Keep in mind these are estimates based on average costs. Individual budgets will vary depending on lifestyle, family size, and neighborhood. To live comfortably, aim for a gross monthly income (pre-tax) of at least $3,800 for a single person, $5,200 for a couple, or $7,500 for a family of four in Blaine.
Lifestyle Considerations
While Blaine’s cost of living is lower than Minneapolis proper, residents often face longer commute times. Most people rely on personal vehicles, as public transit options are limited. However, Blaine offers more square footage for the money, with many homes featuring yards and garages.
Newer developments on the city’s edges tend to have higher price points but also more modern amenities. Older neighborhoods closer to the center are relatively more affordable and walkable. Access to parks, lakes, and trails is a perk of living in Blaine.
Frequently Asked Questions
What salary do you need to live in Blaine, MN?
To live comfortably, aim for a gross monthly income (pre-tax) of at least $3,800 for a single person, $5,200 for a couple, or $7,500 for a family of four in Blaine as of 2025.
Is Blaine, MN expensive?
Blaine is considered moderately affordable compared to the national average. While housing costs are lower than Minneapolis, they still make up a significant portion of the typical household budget.
How much is an apartment in Blaine, MN?
As of 2025, rent for a typical 2-bedroom apartment in Blaine ranges from $1,300 to $1,600 per month, with an average of $1,450.
What bills do you pay in Blaine, MN?
The main monthly bills in Blaine include rent/mortgage, electricity, natural gas, water, sewer, trash, and internet. Some neighborhoods may also have HOA fees.
Is Blaine cheaper than Minneapolis?
Yes, the cost of living in Blaine is generally lower than Minneapolis. Housing, groceries, and utilities tend to be more affordable in Blaine, though transportation costs may be higher for those commuting.