Compare towns
Clover Township vs Ogema Township Next-door neighbors in Pine County. The biggest differences: property tax bill (4.8× in Ogema Township) and home values (3.5× in Ogema Township).
Where each one shines Two towns, two different strengths What each town does better than most of its state (not better than each other). Tap one to see the page behind it.
Clover Township A small town of 425
Quiet strengths Clover Township doesn’t stand out on the data we have Neighbors can tell you what the numbers miss.
All about Clover Township →
Ogema Township A small town of 504
Quiet strengths Ogema Township doesn’t stand out on the data we have Neighbors can tell you what the numbers miss.
All about Ogema Township →
The biggest differences Where they part ways The rows below where the towns are furthest apart, beyond the Census margin of error. The full table is further down.
★ What stands out · Monthly cost A typical home costs $1,250 more a month in Ogema Township A typical home in each town, bought with 20% down at 6.3% for 30 years, plus property tax at the town’s own rate and insurance. Change the numbers to fit you.
Down payment3.5% 10% 20% Rate
Clover Township $480 /mo
Typical home $83K (Census) · tax rate 0.65% · Housing →
Ogema Township $1,720 /mo
Typical home $288K (Census) · tax rate 0.89% · or rent about $807/mo · Housing →
The difference: $1,250 a month , about $15,000 a year , between Ogema Township and Clover Township.
Estimates, not a quote: your price, rate, tax bill and insurance will differ. Tax rate = the Census median tax bill over the median home value.
Where they are Clover Township and Ogema Township share a border Straight-line miles between town centers.
Clover Township ↔ Ogema Township 6.4 miles apart · They share a border · Same county
Life in each What daily life feels like in each The weather, the land, the history and the people, row by row. None of it is a grade: more snow is a plus to a skier.
Seasons
Outdoors & history
National Register places — 1 Community
A dot marks the most on each row. Climate: NOAA 1991–2020 normals at the nearest station. Hazard risk: FEMA National Risk Index, expected yearly damage vs U.S. towns.
Everything, side by side What matters to you? Pick a few. Those rows jump to the top and the best fit on each is marked. There’s no overall score: what matters is up to you.
Raising kids Affordability Owning a home Short commute Working from home Younger crowd Settled, older crowd Growing town Outdoorsy Walkable streets
Population
425 Lowest 504 Highest
Median age
62.6 ±4.5 Highest 61% above MN 41.7 ±4.7 Lowest 7% above MN
Kids under 18
4.9% ±5.4 Lowest MN: 22.9% 29% ±5.9 Highest MN: 22.9%
Age 65+
46.1% ±4.5 Highest MN: 17.3% 16.3% ±1.8 Lowest MN: 17.3%
Bachelor’s degree+adults 25+
13% Lowest MN: 39.4% 19.3% Highest MN: 39.4%
Enrolled in collegeshare of residents
3.3% ±2.8 Highest MN: 5.8% 0.6% ±2.1 Lowest MN: 5.8%
Household incomemedian
$82,292 ±$10k Highest 8% below MN $67,500 ±$18k Lowest 24% below MN
Home valuemedian, owner-occupied
$82,500 ±$10k Lowest 75% below MN $288,200 ±$50k Highest 12% below MN
Rentmedian gross, monthly
— $807 ±$165 37% below MN
Property taxmedian, yearly
$533 Lowest 84% below MN $2,563 Highest 24% below MN
Renters paying 30%+of income on rent
100% ±100 Highest MN: 48.1% 65.5% ±40.3 Lowest MN: 48.1%
Below poverty line
8% Lowest MN: 9.3% 37.1% Highest MN: 9.3%
Homeownersof occupied homes
94.3% Highest MN: 72.2% 75.5% Lowest MN: 72.2%
Typical home builtmedian year
1999 Highest 20 yrs newer than MN 1998 Lowest 19 yrs newer than MN
Average commuteone way
35 min Lowest 52% above MN 38 min Highest 66% above MN
Work from home
27.5% ±14.4 Highest MN: 17.6% 8.5% ±6 Lowest MN: 17.6%
Work in townworking residents
3.2% Highest 0.8% Lowest
Typical commute distancemedian, straight-line
53.3 mi Lowest 54.3 mi Highest
Jobs per working residentover 1.5 = a job hub
0.12 Highest 0.06 Lowest
Top workplaceoutside town
Hinckley (15%) Hinckley (19%)
Between these townsresidents who work in the others
Few work in Ogema Township Few work in Clover Township
Conserved landshare of the town
0.7% Lowest 2.5% Highest
Trailsmapped miles
9.7 mi Lowest 20.9 mi Highest
Trail densitymiles per sq mi
0.3 mi Lowest 0.4 mi Highest
Parks & preservesnamed on the map
2 Lowest 3 Highest
Street connectivityintersections per sq mi, a walkability measure
4.6 Highest 0.7 Lowest
“±” Census margin of error ACS 2020–2024
Deciding? Ask the people who live there The numbers stop at the town line. Neighbors can tell you about the commute at 7am, the schools, the winters and the feel of the place.
Clover Township or Ogema Township: which would you pick? → What’s it really like to live in Clover Township? → Moving to Clover Township: what should I know? →
Your question goes to Clover Township’s Town Square.
Ogema Township or Clover Township: which would you pick? → What’s it really like to live in Ogema Township? → Moving to Ogema Township: what should I know? →
Your question goes to Ogema Township’s Town Square.
Add a town Set another town beside Clover Township and Ogema Township One tap adds it. Up to 4 towns at once.
Bordering Clover Township Towns like Clover Township Sources: U.S. Census Bureau American Community Survey 5-year estimates, 2010 & 2020 censuses, LEHD commute flows; Zillow Home Value Index; NCES Common Core of Data; FBI crime reporting; CDC PLACES; FEMA National Risk Index; NOAA U.S. Climate Normals 1991–2020; USGS PAD-US and OpenStreetMap. “±” is the Census margin of error; differences inside it are never called. Property tax is top-coded by the Census at $10,000+. There is no overall score: which town is better depends on what matters to you.
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