| Index | Otsego | Minnesota | National |
| Cost of living index | 106 | 102 | 100 |
| Index | Otsego | Minnesota | National |
| Goods & Services index | 108 | 106 | 100 |
| Groceries index | 106 | 105 | 100 |
| Health care index | 106 | 110 | 100 |
| Housing index | 110 | 101 | 100 |
| Transportation index | 101 | 98 | 100 |
| Utilities index | 96 | 91 | 100 |
In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
- The cost of living in Otsego is 4% higher than the Minnesota average.
- The cost of living in Otsego is 6% higher than the national average.
- The cost of housing in Otsego is 10% higher than the national average.