Few U.S. towns have colder winter nights than Credit River
Expect July afternoons of about 82°. The wettest month is June; the driest is January. Its yearly precipitation falls short of 82% of U.S. towns. Seedlings are safe outdoors from about April 27, with the first autumn frost due around October 10.
A year in Credit River at a glance
Each month’s typical high and low, and what it brings.
What stands out about Credit River’s climate
Compared with towns across the U.S., with Credit River’s place in Minnesota beside it.
What a year in Credit River feels like
Typical highs and lows by season and by month, from NOAA’s 30-year normals.
About 166 frost-free days a year
In half of years the last 32° night comes by April 27 and the first by October 10. Frost and day counts come from NOAA’s station at Farmington 3 Nw, MN, 9 miles from the town’s center, at about the same height.
The 2023 USDA map puts Credit River’s center in zone 4b: the coldest night of a typical winter, averaged over 1991–2020, reaches about −21°. Plant labels use the zone; frost dates tell you when to plant.
Freezing nights by month
Average nights at or below 32°
90° days by month
Average days at 90° or more
About 41 inches of snow a winter
Snow, measured at Farmington 3 Nw, MN, falls mostly in January. Precipitation (rain plus melted snow) adds up to 33 inches a year; June is the wettest month and January the driest. Rain or snow falls on about 94 days a year.
Rain + melted snow by month
Inches of water
Snowfall by month
Inches of snow
Heating and cooling a home in Credit River
92% of the work is heating, so the furnace matters far more than the air conditioner. Months averaging under 55° run from October through April.
Degree days add up how far each day’s average falls below (heating) or rises above (cooling) 65° over a year. NOAA normals at Farmington 3 Nw, MN.
Living with Credit River’s climate
What the numbers mean for a garden, a free afternoon and a bad-weather day.
166 frost-free days in zone 4b. The last frost comes by Apr 27 in half of years, so many gardeners wait a week or two past that to set out tomatoes. The first fall frost comes by Oct 10.
Months with highs of 62–84° and lows of 40° or more: May, June, July, August and September. 23 miles of trails are waiting.
Parks & trails →Of the yearly building losses FEMA expects in Credit River from natural hazards, river flooding is the largest share (41%); heat waves, cold waves, winter storms and ice storms together are 14%. Normals are averages; the hazards page covers the extremes.
Natural hazards →Credit River and its neighbors
Every town next door is within a degree of Credit River in January and July, closer than the 5 km grid can tell apart. Tap a town to see its climate.
Climates most like Credit River’s, farther away
TownRatings’ own comparison of NOAA 1991–2020 normals, not a NOAA product: places of 5,000+ at least 150 miles away, one per state, closest on January low, July high, precipitation and snow.
| Town | Jan. low | July high | Precip. | Snow |
|---|---|---|---|---|
| Credit River, MN | 7° | 82° | 33" | 41" |
| Saratoga, WI | 7° | 82° | 34" | 48" |
| Fort Dodge, IA | 9° | 83° | 34" | 39" |
| Plattsburgh, NY | 9° | 81° | 35" | 50" |
| Harrisburg, SD | 8° | 84° | 29" | 49" |
Temperatures and rain come from NOAA’s 5 km grid, so each town gets its own value. Snow and frost-free days come from the nearest weather station, so neighbors often share them.
Warmer than it used to be
The last 30 years in Credit River averaged 1.3° warmer than the 1900s. The biggest change is in January (+3.3°).
A smaller shift than in 57% of U.S. towns.
Change by month
The two periods overlap (1991–2000 is in both), which makes the gap a little smaller than it would be between separate periods.
How Credit River compares
Against 12,954 U.S. towns of 2,500 or more (one per 5 km climate cell), with Credit River’s place among Minnesota’s.
Credit River weather by month
Highs, lows and precipitation from NOAA’s grid at Credit River’s center; snow, wet days and snow on the ground from Farmington 3 Nw, MN. 1991–2020 normals.
| Month | High | Low | Rain + melt | Snow | Wet days | 30-yr range |
|---|---|---|---|---|---|---|
| January | 23° | 7° | 0.8" | 10.5" | 6 | 3° – 27° |
| February | 28° | 11° | 0.9" | 6.4" | 5 | 7° – 31° |
| March | 41° | 23° | 1.7" | 8.0" | 6 | 24° – 47° |
| April | 56° | 36° | 3.0" | 1.8" | 8 | 35° – 54° |
| May | 68° | 48° | 4.3" | 0.0" | 11 | 53° – 66° |
| June | 78° | 58° | 4.9" | 0.0" | 11 | 64° – 72° |
| July | 82° | 63° | 4.3" | 0.0" | 10 | 65° – 78° |
| August | 80° | 60° | 4.6" | 0.0" | 9 | 65° – 74° |
| September | 72° | 52° | 3.2" | 0.0" | 8 | 54° – 67° |
| October | 58° | 39° | 2.6" | 0.3" | 7 | 41° – 54° |
| November | 41° | 26° | 1.6" | 7.0" | 6 | 24° – 45° |
| December | 28° | 14° | 1.1" | 7.0" | 6 | 6° – 30° |
| Year | 55° | 36° | 32.9" | 41.0" | 94 |
How much a month can swing
A normal is an average. January swings the most: from 1991 to 2020 its average ranged from 3° to 27°. June is the most reliable, staying within 8°.
Where Credit River’s numbers come from
Normals are 30-year averages, not a forecast. How TownRatings reads climate data →
- Temperatures and precipitation: NOAA’s gridded 1991–2020 normals for the 5 km cell at Credit River’s center.
- Snow: Farmington 3 Nw, MN.
- Frost, freezing nights, 90° and 100° days, heating and cooling: Farmington 3 Nw, MN, 9 miles from the town’s center, at about the same height; the nearest station that passes our checks for distance, height and agreement with the grid.
- Growing zone: USDA Plant Hardiness Zone Map, 2023. USDA Agricultural Research Service and PRISM Group, Oregon State University, prism.oregonstate.edu/phzm, accessed 8 Oct 2026.
- Then and now: NOAA’s gridded normals for 1901–2000 at the same cell.
- Storms and extremes: FEMA National Risk Index (expected annual losses to buildings).
Common questions about Credit River’s climate
What is the weather like in Credit River?
A typical July afternoon reaches 82°, a January night drops to 7°, and about 41 inches of snow falls in a normal winter. Colder January nights than 96% of U.S. towns; cooler July afternoons than 80% of U.S. towns.
How cold does it get in Credit River in winter?
January nights average 7°. About 150 nights a year reach 32° or below and 23 reach 0° or below. In the coldest January of the last 30 years the month averaged 3°.
How much snow does Credit River get?
About 41 inches in a normal winter at Farmington 3 Nw, MN, most of it in January.
How hot does it get in Credit River?
July, with a typical high of 82° and a low of 63°. About 7 days a year reach 90° (Farmington 3 Nw, MN).
When is the first and last frost in Credit River?
In half of years the last spring frost (32°) comes by April 27 and the first fall frost by October 10, about 166 frost-free days, at Farmington 3 Nw, MN.
What growing zone is Credit River in?
Zone 4b on the 2023 USDA Plant Hardiness Zone Map: the coldest night of a typical winter reaches about −21°.
What is the best time of year to visit Credit River?
By one simple rule (highs of 62–84° and lows of 40° or more), May, June, July, August and September. The rule is ours, not NOAA’s; the month table has the numbers to judge by.
Is Credit River getting warmer?
Yes: 1991–2020 averaged 1.3° warmer than 1901–2000 on NOAA’s grid. A smaller shift than 57% of U.S. towns.
Neighbors talk weather
Gardens, snow, and the best days of the year in Credit River.
Source: NOAA NCEI U.S. Climate Normals, 1991–2020 and 1901–2000; USDA/PRISM 2023 hardiness zones; FEMA National Risk Index. Today’s forecast: National Weather Service.