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Fine Lakes Township vs Arrowhead Township

Next-door neighbors in St. Louis County. The biggest differences: jobs per worker (23.3× in Arrowhead Township) and median age (29.3 yrs in Fine Lakes Township).

F ×
Fine Lakes Township, MNA small town of 108St. Louis County · 108 people
A ×
Arrowhead Township, MNAn outdoors townSt. Louis County · 211 people
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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.

Fine Lakes TownshipA small town of 108
Quiet strengthsFine Lakes Township doesn’t stand out on the data we haveNeighbors can tell you what the numbers miss.
All about Fine Lakes Township →
Arrowhead TownshipAn outdoors town
Outdoors15.8% conserved land5.2 miles of trails across 2 parks and preserves All about Arrowhead 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.

Jobs per worker23.3×
Arrowhead Township is more of a job hub
Arrowhead Township 0.70Fine Lakes Township 0.03
Median age29.3 yrs
Fine Lakes Township skews older
Fine Lakes Township 63.2Arrowhead Township 33.9
Age 65++30.3 pts
Fine Lakes Township has more people 65 and up
Fine Lakes Township 39.8%Arrowhead Township 9.5%
Seasonal homes+46 pts
Fine Lakes Township has more second homes
Fine Lakes Township 72.1%Arrowhead Township 26.1%
Street grid3×
Fine Lakes Township has the more walkable street grid
Fine Lakes Township 0.9Arrowhead Township 0.3
Homeowners+14.9 pts renters
Arrowhead Township has more renters
Fine Lakes Township 100%Arrowhead Township 85.1%
★ What stands out · Monthly cost

A typical home costs $520 more a month in Fine Lakes 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.

Fine Lakes Township$1,750/mo
Typical home $305K (Census) · tax rate 0.62% · Housing →
Arrowhead Township$1,230/mo
Typical home $210K (Census) · tax rate 0.75% · Housing →

The difference: $520 a month, about $6,200 a year, between Fine Lakes Township and Arrowhead 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

Fine Lakes Township and Arrowhead Township share a border

Straight-line miles between town centers.

Fine Lakes TownshipArrowhead TownshipFine Lakes TownshipArrowhead Township
Fine Lakes Township ↔ Arrowhead Township6.3 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
Fine Lakes TownshipArrowhead Township
Snow a year59″56″
January low-3°F-4°F
July high76°F77°F
Growing season (days)107d111d
Hazard risk (U.S. pctl)67th67th
Outdoors & history
Fine Lakes TownshipArrowhead Township
Trails3 mi5 mi
Conserved land3.1%15.8%
Community
Fine Lakes TownshipArrowhead Township
Posts this month00
Neighbors joined00

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.

Fine Lakes TownshipArrowhead Township
People
Population 108Lowest 211Highest
Median age 63.2±4.4Highest 63% above MN 33.9±12.6Lowest 13% below MN
Kids under 18 0%±26.2Lowest MN: 22.9% 31.8%±24.6Highest MN: 22.9%
Arrowhead Township and Fine Lakes Township are within the Census margin of error here, so we can’t say which is really higher.
Age 65+ 39.8%±14.3Highest MN: 17.3% 9.5%±12Lowest MN: 17.3%
Bachelor’s degree+adults 25+ 21.2%Highest MN: 39.4% 16.8%Lowest MN: 39.4%
Enrolled in collegeshare of residents 1.9%±9.4Highest MN: 5.8% 0.9%±5.3Lowest MN: 5.8%
Fine Lakes Township and Arrowhead Township are within the Census margin of error here, so we can’t say which is really higher.
Cost of living
Household incomemedian $79,688±$50kLowest 11% below MN $80,417±$28kHighest 10% below MN
Arrowhead Township and Fine Lakes Township are within the Census margin of error here, so we can’t say which is really higher.
Home valuemedian, owner-occupied $304,500±$79kHighest 8% below MN $210,000±$50kLowest 36% below MN
Fine Lakes Township and Arrowhead Township are within the Census margin of error here, so we can’t say which is really higher.
Property taxmedian, yearly $1,875Highest 44% below MN $1,583Lowest 53% below MN
Renters paying 30%+of income on rent — 100%±100 MN: 48.1%
Below poverty line 8.3%Lowest MN: 9.3% 35.8%Highest MN: 9.3%
Housing
Homeownersof occupied homes 100%Highest MN: 72.2% 85.1%Lowest MN: 72.2%
Typical home builtmedian year 1975Lowest 4 yrs older than MN 1981Highest 2 yrs newer than MN
Getting to work
Average commuteone way 39 minLowest 74% above MN 40 minHighest 77% above MN
Work from home 33.3%±38.5Highest MN: 17.6% 5%±6.5Lowest MN: 17.6%
Fine Lakes Township and Arrowhead Township are within the Census margin of error here, so we can’t say which is really higher.
Work in townworking residents 0%Lowest 4.2%Highest
Typical commute distancemedian, straight-line 32.3 miHighest 27.8 miLowest
Jobs per working residentover 1.5 = a job hub 0.03Lowest 0.70Highest
Top workplaceoutside town Duluth (18%)Duluth (16%)
Between these townsresidents who work in the others Few work in Arrowhead TownshipFew work in Fine Lakes Township
Outdoors
Conserved landshare of the town 3.1%Lowest 15.8%Highest
Trailsmapped miles 3.1 miLowest 5.2 miHighest
Trail densitymiles per sq mi 0.1 mi 0.1 mi
Parks & preservesnamed on the map 1Lowest 2Highest
Street connectivityintersections per sq mi, a walkability measure 0.9Highest 0.3Lowest
Minnesota average“±” Census margin of errorACS 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.

Fine Lakes Township neighborsTown Square →

Your question goes to Fine Lakes Township’s Town Square.

Arrowhead Township neighborsTown Square →

Your question goes to Arrowhead Township’s Town Square.

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Bordering Fine Lakes Township

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Floodwood Township196 people · $183K homes
P
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Prairie Lake Township51 people · $196K homes

Towns like Fine Lakes Township

H
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Hawk Creek Township124 people · $232K homes
K
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Kabetogama Township105 people · $312K homes
W
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Wilma Township105 people · $258K homes
T
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Trelipe Township180 people · $336K homes
Not sure which town to add? Find your place ranks Minnesota towns on what matters to you.Find your place →

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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