A Minneapolis–St. Paul Relocation Guide

Relocating to the Twin Cities

How to figure out what you’re really looking for

By Alyssa Swenson, REALTOR® · Keller Williams Realty Integrity Edina · Notes from Caio

Updated

Before you start

Moving here is exciting. Picking where to live can get overwhelming quickly. 


If you’re relocating to Minneapolis, St. Paul, or one of the surrounding suburbs, you may know how many bedrooms you want and roughly what you want to spend. That’s only part of the picture.

A successful relocation search usually starts with understanding how you want to live, not just what kind of house you want to buy. The metro covers a large area, and two homes with similar prices and square footage can offer completely different lifestyles depending on where they’re located.

The short version

Relocating to the Twin Cities goes best when you choose a location by how you want to live, then choose the house. Before you tour, get clear on these five things:

  • Your why and your timeline: job start dates, school calendars, and whether you need to sell first.
  • A monthly budget, not just a price: property taxes, HOA fees, and utilities vary by community.
  • Your commute: test drive times at rush hour, especially on the I-494/I-694 loop.
  • Your area type: Minneapolis or St. Paul, a first-ring suburb, an outer suburb, or acreage.
  • Minnesota specifics: point-of-sale inspections, radon testing, wells and septic, and homestead filing.

Hi, I’m Alyssa.

I’m a REALTOR® licensed in Minnesota and Western Wisconsin with Keller Williams Realty Integrity in Edina. I work with every client directly, start to finish. Caio is my dog. He’ll pop in with notes along the way.

01 · Your move

Start with the reason behind your move


Before choosing neighborhoods, think about what is bringing you to Minnesota in the first place. Are you relocating because of:

  • A new job?
  • Schools?
  • Family?
  • Retirement or downsizing?
  • A lifestyle change?
  • A lower or different cost of living?
  • A desire for more space?
  • Parks, lakes, trails, or the outdoors?

Understanding the why behind your move helps determine which parts of the Twin Cities make the most sense. Someone relocating for a job in downtown Minneapolis may have very different priorities than someone who works remotely and wants acreage, privacy, and access to the outdoors.

Know your timeline

Your timeline can dramatically affect your home search. Ask yourself:

  • When would you ideally like to move, and is that date flexible?
  • Are you starting a new job on a specific date?
  • Are school calendars affecting your timing?
  • Do you need to sell your current home first?
  • Will you be traveling to Minnesota specifically to tour homes?

If you’re buying and selling in different states at the same time, your agent and lender should understand both timelines early. There are often several ways to structure a relocation, and knowing your timing tells us which ones are realistic.

Think beyond your purchase price

Of course you’ll want a comfortable price range. But I encourage buyers to think in terms of their monthly housing budget rather than the maximum purchase price they qualify for.

Your real monthly cost
Mortgage payment
Utilities, including winter heating
Property taxes
Maintenance
Homeowners insurance
Commuting costs
HOA fees
Snow removal, if it isn’t covered

Property taxes and housing expenses vary considerably from one Twin Cities community to another, so two similarly priced homes can have different monthly costs. If you’ll live in the home, filing for homestead status can lower your taxes. More on that in Minnesota specifics.

If you haven’t been pre-approved yet, talk with a lender early. It makes the rest of the search much easier, and I’m happy to connect you with local lenders who work with relocating buyers. You can also start with my home financing overview.

02 · Where to live

Where in the Twin Cities should you live?


This is usually the biggest question for relocation buyers. There isn’t one universally “best” suburb or neighborhood. There’s the location that works best for you. Instead of asking an agent “What’s the best place to live?”, start by explaining what matters most in your daily life.

Map of the Minneapolis–St. Paul metro areaMap showing Minneapolis, St. Paul, the I-494/I-694 loop, light rail lines, MSP Airport, major rivers, and surrounding suburbs including Edina, Richfield, St. Louis Park, Golden Valley, Roseville, Maple Grove, Eden Prairie, Woodbury, Lakeville, Blaine, Stillwater, and Hudson, WI.EdinaRichfieldSt. Louis ParkGolden ValleyRosevilleMaple GroveEden PrairieWoodburyLakevilleBlaineStillwaterHudson, WIMINNEAPOLISST. PAULMSP AirportLake MinnetonkaI-694I-494Green LineBlue LineMississippi RiverSt. Croix RiverMinnesota RiverWISCONSINMINNESOTA494 / 694 loopInside the loopLight railRiversCounty lines: U.S. Census. Highways, rail, and rivers approximate.
The Twin Cities metro at a glance: the urban core, first-ring suburbs inside the 494/694 loop, outer suburbs, and small towns at the edges.
Urban core
Minneapolis and St. Paul. Walkable neighborhoods, older homes, transit, and the most restaurants per block.
First-ring suburbs
Inside the 494/694 loop, such as Edina, Richfield, St. Louis Park, Golden Valley, and Roseville. Established and close-in.
Outer suburbs
Outside the loop, such as Maple Grove, Eden Prairie, Woodbury, Lakeville, and Blaine. Newer homes, bigger lots, more driving.
Small towns and acreage
The edges of the metro, like the Stillwater area. Room to spread out, often with wells and septic systems.

How important is your commute?

Commute expectations are one of the first things I discuss with relocating buyers, because they narrow the search considerably. Think about:

  • Where you’ll work, and how often you’ll commute
  • Your maximum comfortable commute
  • Whether multiple people in the household commute in different directions
  • How often you need Minneapolis, St. Paul, or the airport
  • Whether you’ll work primarily from home

A community that looks close on a map may feel very different during rush hour.

Twin Cities commute notes
The 494/694 loop
These two interstates circle the core. Many suburb-to-suburb commutes use part of the loop, and it backs up at rush hour.
Light rail
The Blue Line runs from downtown Minneapolis to MSP Airport and the Mall of America. The Green Line links downtown Minneapolis, the U of M, and downtown St. Paul.
The airport
MSP sits between the two downtowns. Frequent flyers often find the south and central suburbs the most convenient.
Winter adds time
Test a commute at rush hour, then plan for it to run longer on snowy January mornings.

What kind of community do you want?

Think about the environment you picture when you leave your house. Would you prefer:

  • A walkable city neighborhood
  • Lake access
  • An established first-ring suburb
  • Restaurants and entertainment nearby
  • A newer suburban development
  • Trails and parks nearby
  • A quiet residential neighborhood
  • A larger yard
  • A small-town atmosphere
  • A low-maintenance townhome community
  • Acreage and privacy

That range is one of the advantages of relocating here. It also means narrowing the search takes more than choosing a ZIP code.

A few places locals actually use

Minneapolis

The Chain of Lakes: Bde Maka Ska, Lake Harriet, and Lake of the Isles. Minnehaha Falls. The Midtown Greenway bike trail.

St. Paul

Como Park, with its zoo and conservatory. Summit Avenue. The Mississippi River trails.

Suburbs and beyond

Lake Minnetonka. The Gateway State Trail. Downtown Stillwater on the St. Croix River.

Picture a normal Tuesday

This is one of the most helpful exercises relocation buyers can do. Instead of picturing the house, picture an ordinary weekday. Where are you going? What do you want nearby? How much driving are you comfortable doing?

Which ones do you want close by?
  • Grocery stores
  • Restaurants
  • Coffee shops
  • Parks
  • Bike trails
  • Lakes
  • Gyms
  • Medical facilities
  • Schools
  • Childcare
  • Dog parks
  • Shopping
  • Airport
  • Family and friends
  • Skyway access

Sometimes the right location becomes much clearer once you think about your routine rather than your real estate search.

03 · The home itself

What type of property fits your life?


Relocation buyers sometimes start out assuming they want a traditional single-family home, then discover another option works better. Each one comes with different maintenance responsibilities, costs, and lifestyle considerations.

Single-family homes
Historic homes
Townhomes
Acreage
Condominiums
Lake homes
Twin homes
Duplexes or multi-family
New construction
Homes with accessory living space

Must-haves, nice-to-haves, and dealbreakers

Most buyers start with a long wish list. The trick is separating actual requirements from things that would be nice to have, and being clear about what you don’t want. There’s no right or wrong answer. Aim for three to five true must-haves.

Must-haves

Non-negotiable
  • Minimum bedrooms
  • Minimum bathrooms
  • Garage size
  • Yard size
  • Home office
  • Main-level bedroom or bath
  • Accessibility needs
  • Finished basement
  • Space for kids
  • Space for pets
  • Multigenerational living
  • Workshop or hobby space

Nice-to-haves

Would love, could live without
  • Updated kitchen
  • Updated bathrooms
  • Fireplace
  • Fenced yard
  • Mudroom
  • Guest suite
  • Mature trees
  • Large deck or patio
  • Three-car garage
  • Lake access
  • Walkability
  • Newer mechanicals

Dealbreakers

An immediate “no”
  • Busy roads
  • Major renovations
  • Older homes
  • New construction
  • HOA communities
  • Long driveways
  • Septic or well
  • Small or large yards
  • Split-level homes
  • Stairs
  • High maintenance
  • Close neighbors

Knowing the difference keeps you from eliminating otherwise great homes, and telling me your dealbreakers up front saves everyone a lot of unnecessary showings.

04 · Minnesota specifics

Buying a home in Minnesota: what works differently


Every state handles real estate a little differently. Depending on where you look, you may run into some of these for the first time.

Truth-in-Sale of Housing
Minneapolis, St. Paul, and some other cities require a point-of-sale evaluation before a home is listed. It isn’t a full inspection, so you’ll still want your own.
Radon
The Minnesota Department of Health estimates about 2 in 5 Minnesota homes have elevated radon. Many buyers add a radon test to their inspection.
Wells and septic systems
Common once you move farther from the urban core. Sellers must disclose wells, and many counties require a septic compliance inspection at sale.
Older housing stock
Many city neighborhoods have homes from the early 1900s or earlier: beautiful woodwork, built-ins, and hardwood floors, with different maintenance than newer builds.
Property taxes and homestead
Taxes vary by municipality and property, so compare total monthly cost. If it’s your primary residence, apply for homestead classification with your county after closing.
HOAs
Townhomes, condos, and some single-family communities have them. Weigh the monthly cost against what the HOA actually covers, like snow and lawn care.
School districts
District lines don’t always match city lines, so check the specific address. Minnesota also allows open enrollment between districts.
Snow removal
Sometimes the HOA handles it. Otherwise, congratulations: you are now emotionally invested in a snowblower.
05 · Seasons and winter

Winter in the Twin Cities: yes, we’re going there


The Twin Cities market is busiest in spring, with the most listings and the most buyers. Winter usually brings fewer homes and less competition. Either can work. It depends on your timeline.

Touring in winter
  • Look for heavy icicles or ice dams along the roofline
  • Ask the furnace’s age and for service records
  • Ask for recent heating bills
  • Check which way the driveway faces. South-facing melts faster.
  • Ask for summer photos. Snow hides roofs, yards, and grading.
Winter survival notes
  • An attached garage earns its keep here
  • Minneapolis and St. Paul declare snow emergencies with street-parking rules. Sign up for alerts.
  • Both downtowns have enclosed skyways
  • Locals go outside anyway: skating, cross-country skiing at Theodore Wirth Park, and the Saint Paul Winter Carnival

If you’re considering acreage, long driveways, or rural roads, winter maintenance deserves real thought. Ask who plows the road and how quickly.

06 · Buying from a distance

Buying a Twin Cities home from out of state


You don’t have to fly in every time a house comes up. Here’s the usual path when you’re hundreds or thousands of miles away.

1

Strategy call. We talk through your why, timeline, budget, and must-haves.

2

Pre-approval. A lender confirms your budget, ideally before you start touring.

3

Narrow the map. I compare communities against your priorities and check real drive times.

4

Virtual previews. I tour homes in person and walk you through on live video, including the parts photos leave out.

5

A focused trip. When you visit, I line up concentrated showing days so the trip counts.

6

Offer. I explain the Minnesota purchase agreement line by line, and you can sign electronically.

7

Inspections. I coordinate local inspectors and attend. You can join by video.

8

Closing. Depending on the title company, you may be able to sign remotely. Then file for homestead.

What are you most nervous about?

Relocating buyers have concerns that local buyers don’t. Tell me what you’re worried about. A good relocation agent shouldn’t just unlock houses. They should help you understand the market, neighborhoods, logistics, and trade-offs.

How do I know if I’m choosing the right area?

We start from your routine and priorities, then compare a short list of communities side by side.

What if I can’t travel every time a house comes on the market?

I preview homes in person and show them to you on live video, so you only fly in for the serious ones.

Should I buy before selling my current home?

It depends on your finances and your market. We’ll look at the options, including a home-sale contingency, with your lender.

How do inspections work in Minnesota?

You hire an inspector during the inspection period in the purchase agreement. I coordinate it and walk you through the report.

What if a great home comes up while I’m out of state?

I can see it the same day and send you video. If it’s the one, we can write an offer remotely.

How do I avoid feeling rushed?

You set the pace. If a house isn’t right, I’ll tell you that too.

More Twin Cities relocation questions

Which Twin Cities suburb is best for relocating?

There isn’t one best suburb. First-ring suburbs inside the 494/694 loop, like Edina, Richfield, St. Louis Park, Golden Valley, New Brighton, Saint Anthony, are established and close-in. Outer suburbs like Maple Grove, Eden Prairie, Woodbury, Lakeville, and Burnsville offer larger lots and homes with more driving. The right fit depends on your commute, budget, and daily routine.

When is the best time to buy a home in the Twin Cities?

Spring is the busiest season, with the most listings and the most buyers. Winter usually brings fewer homes and less competition. Either can work, depending on your timeline.

What is Truth-in-Sale of Housing?

Minneapolis, St. Paul, and some other cities require a point-of-sale evaluation before a home is listed. It isn’t a full inspection, so buyers still hire their own inspector.

Should I test for radon when buying in Minnesota?

Many buyers do. The Minnesota Department of Health estimates about 2 in 5 Minnesota homes have elevated radon, so a radon test is a common add-on to the home inspection.

What is homestead in Minnesota?

If the home is your primary residence, you can apply for homestead classification with your county after closing. It can lower your property taxes.

I also connect you with

Local lenders, inspectors, contractors, and other professionals, so you have a team in place before you arrive.

07 · Your worksheet

Before we talk, be ready to explain


  • Where you’re moving from
  • Why you’re relocating
  • Your ideal move date
  • Your approximate price range
  • Where you’ll be working
  • Your maximum preferred commute
  • Your top three home must-haves
  • Your biggest dealbreaker
  • What you want your new community to feel like
  • Your biggest concern about relocating
08 · Next steps

Relocating to the Twin Cities?


You don’t need to know exactly where you want to live before reaching out. Helping buyers narrow down the right communities is one of the most important parts of the relocation process.

I work with buyers throughout the Twin Cities metro and help relocation clients understand the homes available to them, plus the neighborhoods, suburbs, lifestyle differences, commutes, and trade-offs that come with each option.

Whether you’re moving across the country or just across the Minnesota border, we can start with a conversation about how you want to live and work backward from there.

Your next three steps
  1. Jot down your answers to the questions above.
  2. Book a strategy call with me.
  3. Talk with a lender about pre-approval. I can make the introduction.

Book a Strategy Call

(651) 247-1917 · alyssa@alyssaswenson.com

Curious what working with me is like? Read my Google reviews.

Let’s talk about what you’re looking for and build a search around your actual life, not just the number of bedrooms and bathrooms.

Ready to look around? Search Twin Cities homes for sale or check out my guide to buying a home.

Agent profile image in chat bubble
Agent profile image in chat header

Alyssa Swenson

Real Estate | Minnesota & Wisconsin REALTOR® | Alyssa Swenson Real Estate | Keller Williams Realty Integrity Edina

Agent profile image in message

or another way