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City · 12,537 residents · Carlton County, Minnesota

Cloquet , Minnesota

In Cloquet, a typical home is worth $212,700 and typical rent is $1,024 a month. Compared with all of Carlton County, typical household income is 24% lower, the typical home value is 13% lower, and the share of households that own their home is 14 points lower.

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  • Typical home value

    $212,700

    13% below the county

    35% below Minnesota

    • Cloquet
    • Carlton
    • Minnesota

  • Typical rent

    $1,024a month

    About the same as the county

    20% below Minnesota

    • Cloquet
    • Carlton
    • Minnesota

  • Typical household income

    $61,367a year

    24% below the county

    31% below Minnesota

    • Cloquet
    • Carlton
    • Minnesota

  • Households that own their home

    66%

    14 points below the county

    6 points below Minnesota

    • Cloquet
    • Carlton
    • Minnesota

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$266,131
3.6% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Cloquet is in Carlton County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Carlton County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Cloquet apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Virginia, the typical home value is $120,600: 43% less than in Cloquet ($212,700).

  2. Nearby, in Virginia, the typical rent is $792: 23% less than in Cloquet ($1,024).

  3. 66% of households in Cloquet own their home, against 80% in Carlton County.

  4. The typical household income in Cloquet is $61,367, 24% less than in Carlton County as a whole ($80,573).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Cloquet

What homes there are in Cloquet, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house is still the most common home in Cloquet, but it weighs less than in Carlton County: 71% against 80%.

Year built

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

At least 92% of owner-occupied homes in Cloquet are worth less than $500,000, below the FHA loan limit for Carlton County ($541,287).

Monthly rent with utilities

Measured against HUD's 2-bedroom fair market rent ($1,207), about 64% of rented homes in Cloquet cost less.

With a mortgage

$1,481 a month

Carlton County: $1,659 a month

Without a mortgage

$648 a month

Carlton County: $609 a month

Owners with a mortgage

64%

Carlton County: 65%

In Cloquet, 64% of owners have a mortgage, and their typical cost is $1,481 a month, against $1,659 in Carlton County. Without one it drops to $648.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Since 2015–2019, homes in Cloquet gained value faster than in Carlton County: 49% against 43%.

Since 2015–2019, the typical rent in Cloquet rose 35%, more than in Carlton County (30%).

Here income did not keep up with housing: it rose 14%, while home values changed +49% and rent +35%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureCloquetCarlton CountyMinnesotaUnited States
Rental vacancy Unreliable estimateUnreliable estimate5.3%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.6%0.9%
More than one person per room Unreliable estimate1.1%2.3%3.4%
People per household 2.282.392.432.53
Drive alone 78%79%69%69%
Carpool 9%8%8%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 9%10%18%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

Much as in Carlton County, a household in Cloquet has 2.28 people on average.

To get to work, 78% of workers in Cloquet drive alone; in Carlton County, 79%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Cloquet?

A typical home is tight for the typical income

We start with a typical home in Cloquet, worth $212,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Cloquet, which is $61,367 a year. For that payment to be 28% of income, a household would need to earn about $78,264 a year.

The calculator's FHA and conventional loan limits are those of all of Carlton County.

Your numbers

Local data
$

Starts at the typical home value in Cloquet. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $7,445 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,826

at 7.18% · 30 years

Loan amount
$208,847
Total interest
$300,482
Paid off in
November 2056

Includes $3,592 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,432 a month

  • Tight

    $1,432 to $1,841 a month

    Your payment · 36%

  • Hard

    more than $1,841 a month

Compared with the typical household income in Cloquet ($61,367 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,826
Principal & interest$1,415
Property tax$229
Home insurance$89
FHA mortgage insurance (MIP)$94

You need at least $7,445 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Cloquet and Carlton County

Cloquet is in Carlton County, Minnesota. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Cloquet's own numbers

Typical home value
$212,700
Typical monthly rent
$1,024
Typical yearly household income
$61,367
Households that own their home
66%
Effective property tax rate
1.29%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Carlton County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,207
Price change over 5 years (FHFA)
+61%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Carlton County.

Everything about Carlton County

Buying

Buying a home in Cloquet

A typical home in Cloquet is worth $212,700: 13% below the county and 35% below Minnesota. With the typical household income in Cloquet ($61,367 a year), a typical home costs 3.5 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Cloquet 3.5 years
  • Carlton 3.0 years
  • Minnesota 3.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Carlton County

According to FHFA’s house price index, home prices in Carlton County rose 95% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Carlton County.

Period County Minnesota U.S.
Last year (2025) +12.7% +2.8% +2.9%
5 years (2020–2025) +61% +37% +47%
10 years (2015–2025) +95% +71% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Cloquet next to Carlton County, Minnesota and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Cloquet $212,700
  • Carlton $245,100
  • Minnesota $329,300
  • United States $332,700
Typical monthly rent
  • Cloquet $1,024
  • Carlton $1,009
  • Minnesota $1,280
  • United States $1,413
Typical yearly household income
  • Cloquet $61,367
  • Carlton $80,573
  • Minnesota $89,062
  • United States $80,734
See the full table
Cloquet next to Carlton County and Minnesota
Measure Cloquet Carlton County Minnesota U.S.
Typical home value $212,700 $245,100 $329,300 $332,700
Typical monthly rent $1,024 $1,009 $1,280 $1,413
Typical yearly household income $61,367 $80,573 $89,062 $80,734
Households that own their home 66% 80% 72% 65%
Typical yearly property tax $2,745 $2,862 $3,357 $3,119
Effective property tax rate 1.29% 1.17% 1.02% 0.94%
Renters with high rent for their income 50% 47% 48% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Carlton County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Cloquet

For a typical $212,700 home in Cloquet, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cloquet's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,826a month

    Least cash to close
    Down payment
    $7,445
    Cash to close
    $13,826
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $94

  • Conventional, 5% down $1,787a month

    Down payment
    $10,635
    Cash to close
    $17,016
    Rate
    7.18%
    Mortgage insurance
    PMI · $101

  • Conventional, 20% down, no PMI $1,470a month

    Down payment
    $42,540
    Cash to close
    $48,921
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,667a month

    Down payment
    $31,905
    Cash to close
    $38,286
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Cloquet and for Carlton County.

Property tax

Effective rate in Cloquet

1.29%of the home’s value each year

$2,745 a year for the typical owner in Cloquet.

  • Cloquet 1.29%
  • Carlton 1.17%
  • Minnesota 1.02%

What Minnesota publishes Homestead market value exclusion (Minnesota Office of the Revisor of Statutes (Minnesota Statutes))

Exemptions and deadlines in Minnesota

Flood risk in Carlton County

FEMA does not publish these numbers by city: they are for all of Carlton County.

FEMA’s maps count no homes in the high-risk zone in Carlton County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Cloquet

Typical rent in Cloquet is $1,024 a month: about the same as the county. In Cloquet, 50% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Carlton County, by unit size. To pay the 2-bedroom one ($1,207 a month) without spending more than 30% of your income, you would need to earn $23.21 an hour working full time.

HUD fair market rent for all of Carlton County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $841 $16.17 $33,640
1 bedroom $961 $18.48 $38,440
2 bedrooms $1,207 $23.21 $48,280
3 bedrooms $1,671 $32.13 $66,840
4 bedrooms $2,017 $38.79 $80,680

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Cloquet

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cloquet is in ZIP code 55720.

For 2 bedrooms it is $1,220: $13 more than the fair market rent for Carlton County ($1,207).

  • 55720 $1,220$1,690

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Cloquet when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Cloquet

HUD lists 6 buildings with rents for lower incomes in Cloquet. These are the largest.

  • Larson Commons 810 Cloquet Ave, Cloquet 55720 85 low-income homes · 1 bd: 80 · 2 bd: 5 · In service since 2006 · For older adults (218) 879-3759
  • Aspen Arms 950 14th St, Cloquet 55720 80 homes, 74 low-income · Run by Hra of Cloquet, Minnesota · Average payment: $397 a month · Average wait: 7 months (218) 879-3353
  • Sahlman East 1741 Sahlman Ave, Cloquet 55720 36 low-income homes · For families (218) 879-8446
  • White Pine Aparments 930 14th St, Cloquet 55720 35 low-income homes · 1 bd: 6 · 2 bd: 26 · 3 bd: 3 · In service since 2019 · For families, people experiencing homelessness
  • Maplewood Court Apartments II Multiple Building Addresses, Cloquet 55720 22 homes, 21 low-income · 1 bd: 12 · 2 bd: 6 · In service since 1993

See all 9 buildings in Carlton County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Cloquet

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Carlton County. The nearest ones are below; many serve by phone or online.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Cloquet

No down payment, repair or rent-help program on our list is for Cloquet or Carlton County. The ones below are statewide in Minnesota: they work in Cloquet the same as in the rest of the state.

Which programs do I qualify for? All programs in Minnesota

  • Deferred Payment Loan (Start Up)

    Statewide in Minnesota

    Minnesota state agency loan for the down payment and closing costs alongside the Start Up mortgage for first-time buyers: up to $14,000 (or $18,000 in the Plus version), with no interest or monthly payments, repaid at the end of the mortgage. Offered by Minnesota Housing (Minnesota Housing Finance Agency).

    Deferred

    See the program Official page

  • Monthly Payment Loan

    Statewide in Minnesota

    Minnesota Housing loan of up to $14,000 for the down payment and closing costs, which you repay over 15 years at the same rate as your Minnesota Housing mortgage; it works with Start Up (first-time buyers) or Step Up. Offered by Minnesota Housing (Minnesota Housing Finance Agency).

    Repayable

    See the program Official page

Housing counselors near Cloquet

The HUD-approved agencies closest to the center of Cloquet, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Community Action Duluth

    2424 W 5th St, Duluth · 18 miles away

    • Budget and financial counseling
    • Pre-purchase counseling
    • and 1 more
    (218) 726-1665

  • One Roof Community Housing

    12 E 4th St, Duluth · 19 miles away

    • Workshops for new owners
    • Pre-purchase counseling
    • and 1 more
    (218) 727-5372

  • Lutheran Social Service of Minnesota

    1330 E Superior St, Duluth · 21 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (218) 529-2227

All counseling agencies in Minnesota

Help in Spanish near Cloquet

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Cloquet

HUD’s record names them for Cloquet or Carlton County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Hra of Cloquet, Minnesota Public housing and Section 8 vouchers (218) 879-3353

2 other authorities have an office in Carlton County: see the list Source: HUD

Cities

Nearby cities

The cities closest to Cloquet, with the typical home value.

Everything about Carlton County Housing in Minnesota

Neighboring counties

If Carlton County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Cloquet.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Cloquet

Short answers with the numbers for Cloquet and all of Carlton County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Cloquet?

The typical home value in Cloquet is $212,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Carlton County it is $245,100.

How much does it cost to rent in Cloquet?

Typical rent in Cloquet is $1,024 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Carlton County is $1,207.

What is the FHA loan limit in Cloquet?

Cloquet uses the FHA limit for all of Carlton County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Cloquet?

The typical homeowner in Cloquet pays $2,745 a year, according to the U.S. Census Bureau. That is 1.29% of the home’s value; in Carlton County, the rate is 1.17%.

Where can I find free help to buy or rent in Cloquet?

We found no HUD-approved counseling agencies with an office in Carlton County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).