Finland’s midpoint age is 54.8 years, where Minnesota’s towns sit at 39.9 years and U.S. towns at 40.5 years. Only one of the 275 Minnesota towns we compare has a lower July high than Finland. Finland’s trail density is 1.4 miles per square mile, above both the Minnesota town median (0.5) and the median of U.S. towns (0.4). The biggest place to walk is Finland State Forest, 470 acres with 1.4 miles of trail. Finland has fewer than 1,000 residents, too few for fair grades; the figures below are still real.

Small town

257 people, and everyone knows the way

In a town this size, neighbors are the best guide. Ask them anything.

Nearby towns

Beaver Bay Township · 5 mi Silver Bay · 10 mi Beaver Bay · 12 mi Crystal Bay Township · 13 mi Silver Creek Township · 20 mi Stony River Township · 20 mi

Beaver Bay TownshipCrystal Bay TownshipFinland

Getting set up

Moving to Finland: who provides what

Finland is unincorporated, so Lake County and regional agencies provide most services.

PowerCooperative Light & PowerEIAHIFLD · EIA

Internet3 providers95% of addresses get 100/20 MbpsFCC

Trash & county servicesLake CountyLake County provides services here

SchoolsLake Superior Public School DistrictWhich school depends on your addressNCES

Register to voteOnlineIn Minnesota you can register online until 21 days before Election Day, in person up to and including Election Day, or by mail (received 21 days before).vote.gov

Who runs elections hereLake County CourthouseLake County; contacts on the Handbook page.FVAP, Jun 2023

ZIP code5560355603 100%Census 2020

EPA SDWIS (Oct 9, 2026) · HIFLD + EIA-861 2025 · Census 2020 ZCTAs · NCES 2024–25 · registration: vote.gov, updated Nov 18, 2024.

The data

Ordered by what stands out in Finland.

Housing

Finland stands out in Minnesota and nationally, with the median rent lower than most

Over the 12 months to September 2026, the typical home gained 4.9% in value. Finland: 86% of households live in a home they own.

$231KZillow home value

	Finland	Minnesota towns	U.S. towns
Median rent	$679 a month	$1,196 a month	$1,185 a month
Households that own their home	86%	75%	73%

Typical home value

Finland$231K

Minnesota$349K

+4.9%

value change, 1 year

homes sold in September

Full pageFinland’s housing & cost-of-living pageOpen the page

Prices over the yearsUp 4.9% in a year Years of income to buyA typical home costs 4.3 years of income Rents$679 a month · Median rent Vs. the neighbors2 bordering towns

Census ACS, 2020–24 · Zillow Home Value Index · Redfin Data Center

Natural hazards

Finland has a high natural-hazard risk, chiefly from inland flooding

In Finland, the natural-hazard score from FEMA is 76 of 100. Of the losses FEMA expects here, 55% come from inland flooding and 27% from cold waves.

76risk score of 100

FEMA risk score

Inland floodingCold wavesStrong wind

Full pageFinland’s hazards pageOpen the page

What it facesHigh risk Flood claims0 paid flood claims · No paid flood claims on record Past disasters10 disaster declarations · Declared for the county Get ready0.3 events a year, on average · Ready for inland flooding

FEMA National Risk Index · OpenFEMA

Climate

Finland has snowy winters and pleasant summers

94″snow a winter

Typical low → high °F

Winter3–22°

Spring25–48°

Summer50–74°

Fall33–50°

Oct 1

typical first frost

May 15

typical last frost

+1.6°

vs. the 20th-century average

Full pageFinland’s climate pageOpen the page

A year of weatherJuly highs 76°, January lows 0°Rain & snow94″ of snow a winter · 31 inches of rain and snow a year Heating & coolingMostly a heating bill Then and now+1.6° vs. the 20th century · Warmer than the 20th-century average

NOAA U.S. Climate Normals, 1991–2020

Work & commute

Most of Finland’s workers head elsewhere: there are 0.8 jobs for each of them

Among 274 Minnesota towns, just 9 have a higher share of residents below the poverty line than Finland. In Finland, the average trip to work is 29 minutes. Half the trips to work are shorter than 54 miles. The top destinations are Ely (8%), Silver Bay (8%) and Duluth (8%).

0%work in town

	Finland	Minnesota towns	U.S. towns
Below the poverty line	20%	7%	9.6%
Average trip to work	29 minutes	23 minutes	25 minutes

Where working residents work

In Finland0%

Ely8%

Silver Bay8%

Duluth8%

Silver Creek Township5%

54 mi

median commute distance

jobs based in Finland

Balanced

jobs vs. working residents

Full pageFinland’s work & commute pageOpen the page

The jobs here45 jobs based here · Balanced Where people work0% work in Finland Commute times29 minutes · The average commute How far they goHalf commute less than 54 miles

Census LEHD 2023 · ACS

Outdoors

Finland has set aside 11% of its land for conservation

Count the trails in 1 park or preserve and they come to 9.6 miles.

11%conserved

11%

conserved · 470 of 4,284 acres

9.6 mi

of trails · 1.4 per sq mi

Biggest places to walk	Trails	Acres
1. Finland State Forest	1.4 mi	470

Full pageFinland’s outdoors pageOpen the page

Trail map9.6 miles of trail, mapped Pick a walk1.4 miles of trail · Finland State Forest Conserved land11% conserved · 470 acres protected Questions“Where can I hike in Finland?”

Health

How healthy Finland is

The share of adults 18 to 64 in Finland who have no health insurance: 5.8%. The town does better than the Minnesota average on 6 of 32 CDC measures and worse on 7. 28% of adults in Finland feel lonely; 13% report frequent mental distress.

	Finland	Minnesota towns	U.S. towns
Sleep under 7 hours (CDC PLACES)	27%	30%	36%
Feel lonely (CDC PLACES)	28%	30%	33%
Frequent mental distress (CDC PLACES)	13%	16%	17%
Binge drink (CDC PLACES)	16%	18%	16%

32 measures vs. Minnesota

6 better19 too close to call7 worse

What stands out	Finland	MN
Fewer adults facing housing insecurity	6.8%	9.3%
Fewer adults without reliable transportation	5.5%	7.1%
More adults who have had cancer	12.1%	8.5%

Aspirus Lake View Hospital

33.8 mi away · emergency room

2 of 3

care shortages: dental, mental health

Full pageFinland’s health reportOpen the page

Everyday habitsFewer binge drinkers Hospitals & doctors nearby33.8 miles to an ER · Aspirus Lake View Hospital How adults are doingMore adults in frequent physical distress Every CDC estimateBetter than MN on 6 of 32

CDC PLACES 2025 · modeled estimates for adults · CMS · HRSA

Keep exploring

Everything we know about Finland

16pages on Finland

The big questions

HealthBetter than MN on 6 of 32 CDC measures Cost of living$231K typical home · up 4.9% in a year Work & commute$54K median household income · 45 jobs here Natural hazardsFEMA risk higher than 76% of U.S. communities · inland flooding

Out and about

Outdoors10 mi of trails · 11% conserved land PlacesAttractions14 nearby · Tettegouche State Park 7 mi LibrarySilver Bay Public Library Colleges

The story

HistorySettled 1915 Climate76° summer highs · 94″ of snow

Day to day

NewsWeatherHandbookZIP code 55603 Town SquareNeighbors

After high school

Colleges nearby

None within 15 miles of Finland; the nearest are

University of Minnesota-DuluthUniversity or college · Public · Duluth57.6 mi$14,610 in-state tuition Lake Superior CollegeCommunity college · Public · Duluth61.2 mi$5,785 in-state tuition

About 0 of every 100 Finland residents are enrolled in college, against 6 across Minnesota.

Prices by family income, graduation and earnings →

About Finland

Unincorporated community in Minnesota, US

Finland is an unincorporated community and census-designated place (CDP) in Crystal Bay and Beaver Bay townships, Lake County, Minnesota, United States. As of the 2020 census, its population was 195.

From Wikipedia, licensed CC BY-SA 4.0 · facts via Wikidata (CC0)

Area: 5.4 sq mi
Elevation: 1,329 ft
ZIP code: 55603

Questions about Finland

Short answers, built from the data on this page.

Is Finland, MN a good place to live?

Finland has fewer than 1,000 residents, too few for fair grades; the figures below are still real.

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