It being winter doesn't help, even if you don't suffer from SAD, like I do (I take Vit D and use a therapy light). Winter just lasts waaaaaayyyyyy too long. And I swear, MN winters last longer than, like, everyone elses.
I was born and grew up in MN. And, yes, some of us do move away. I met my husband, who's from IA, and we relocated to WI (I was 28 at the time). I don't love everything about where I live--Madison is a very liberal town, and it seems like everyone who comes here for the University, stays and raises a family. So it's quite clicky here as well--very hard to find and make friends. I only have one child, so meeting parents through school isn't that easy either.
However. I grew up moving around the state of MN, and always grew up in small towns. If you think Mpls is a clicky place to live--you should try growing up in small town MN. There, you almost need to be a 5th generation member of society before you're "accepted." I'm not kidding. Been down that street myself--feeling ostracized and without/hardly any friends--and I was a natural-born Minnesotan!
Right now, the economy sucks. You have to make do with what you have at the moment. If your husband is agreeable--and you can afford it--then relocating might work for you. You're not the only one who's lost money on your house/property; I'd bet every person reading this has. It's sucky out there right now--and it's not going to be getting better any time soon, either.
I'm naturally a very out-going, extroverted person. But I've discovered over the last few years that I really don't mind the quiet--I have my own editing freelance business, so I sit at home every day and work in my office. I have to consciously go out and actually be among people, since I don't get that daily interaction. This spring, my dog and I are going to start a daily walking program. My pooch is, well, to put it delicately, she's a little on the heavy side. And the exercise certainly won't hurt me, as I'm chair bound in front of a computer all day long.
I belong to a writer's group as well as the Madison Gluten Free group, MAGIC. We belong to a church, but I've never really found a niche there for me. I've made a few good friends here, and we get together when we can afford to (it's so expensive to do just about anything these days, including meeting at a coffeeshop. You still need to buy a libation or something to eat to sit at their tables). Recently, I started looking into spiritualism/metapsychics and am having a ball not only reading about all the cool stuff that encompasses, but I've also connected with some like-minded people within that community and have been having fun doing it.
In other words, your happiness is what you make of it. No one can make you happy other than yourself. Period. Just like no one can make you like yourself but you. You need to find new interests/new directions to divert your "I don't like MN/the weather/etc." and start making happy memories, for both yourself and your kids/husband. It's not easy; believe me, I know.
One cool thing about living in Madison, WI, is the fact that our growing season is about 5 weeks ahead of MN. Since I love flowers, that has been a special bonus for me, as I can get outside and get my flowers going and growing ahead of time. It especially perks my dad up and makes him happy when he comes to visit me from MN and he sees all of my flowers blooming. He gets an early peek/perk, since he has to wait another 5 weeks to see his bloom.
I guess my overall answer to your question is--if moving is absolutely out of the picture due to cost/loss, then you need to rewire your thoughts and adjust your mood and just find interests that make YOU happy. While I agree with the poster who said that the "place" holds some of the joy, I really believe it's more the person who puts the joy into the place.