Everything You Should Know Before Moving to Gem Lake, MN
Considering a move to Gem Lake, MN? With a friendly population of around 525 and a high homeownership rate, Gem Lake offers a peaceful, close-knit community atmosphere. The median home price is $430,000, and rents average $1,420, with a cost of living just above the national average. Residents enjoy low crime rates, short 25-minute commutes, and highly rated schools nearby. With 56% sunny days and easy access to top hospitals and colleges, Gem Lake is a great choice for those seeking suburban comfort near the Twin Cities.
Demographics - Gem Lake, MN
Demographics - Gem Lake, MN
Gem Lake is home to about 525 residents, featuring a mature median age of 50 and a predominantly White population. The area has a balanced gender ratio and a small but present multicultural community, with 6.5% non-English speakers. Its low population density creates a quiet, close-knit atmosphere ideal for those seeking a peaceful suburban lifestyle.
Population:
525
Density:
325 per sq mi
Median Age:
50.1
Gender Ratio:
105 males per 100 females
Non-English Speakers Percentage:
6.5%
Ethnic Composition
White:
92.1%
Black:
1.1%
Asian:
2.5%
Others:
4.3%
Cost Of Living
What is the average cost of living in Gem Lake, MN?
Cost of living in Gem Lake is slightly above the national average, with a median home value of $430,000 and average rent around $1,420. Daily expenses such as utilities and groceries are moderately priced, and Minnesota’s state income tax ranges from 5.35% to 9.85%. This makes Gem Lake appealing for those seeking suburban living with manageable costs.
Median House Value:
$430,000
Gross Rent:
$1,420
Monthly Electricity Charges:
$100
Auto Insurance:
$1,370
House Owner Cost With Mortgage:
$2,180
House Owner Cost Without Mortgage:
$710
State Taxes:
Low:
5.35%
|
High:
9.85%
Cost Of Living Index:
108.6
Grocery:
104.1
Housing:
112.0
Utilities:
103.0
Transportation:
107.6
Health Care:
102.9
Miscellaneous:
100.4
Crime
Is Gem Lake, MN a safe place to live?
Gem Lake experiences very low crime rates, with only 65 violent crimes and 920 property crimes per 100,000 residents annually. The chance of being a victim of violent crime is just 1 in 1,538, providing peace of mind for families and individuals looking for a safe place to call home.
Violent Crimes Per 100k:
65
Property Crimes Per 100k:
920
Crime Index:
985
Chance Of Violent Crime:
1 in 1,538
Chance Of Property Crime:
1 in 109
Weather
What is the weather like in Gem Lake, MN year-round?
Gem Lake enjoys four distinct seasons, featuring cold winters with lows around 7°F and warm summers that reach up to 82°F. The city receives about 32 inches of annual rainfall and sees sunshine approximately 56% of the year. This climate supports a variety of outdoor activities throughout the year.
Winter
Min:
7°F
Max:
24°F
Spring
Min:
33°F
Max:
62°F
Summer
Min:
58°F
Max:
82°F
Fall
Min:
37°F
Max:
63°F
Average Rainfall Inches:
32.1 inches
Sunny Days Percentage:
56%
Neighbors
Residents of Gem Lake benefit from a strong local economy, with a median household income of $122,500 and a low poverty rate of 3.9%. The community is highly educated, with over 98% of adults holding a high school diploma and half holding a bachelor’s degree or higher. Most residents own their homes and enjoy an average commute time of just over 25 minutes.
Median Income:
$45,000
Household Income:
$122,500
Family Income:
$140,000
Per Capita Income:
$52,600
Income Male:
$65,000
Income Female:
$46,500
Poverty Rate:
3.9%
Non English Speakers:
6.5%
Rent:
$1,420
Unemployment Rate:
3.2%
Public Transport Usage:
2.1%
Commute Time:
25.2 minutes
Education
High School or Higher:
98.1%
Bachelors or More:
50.3%
Education
How are the schools in Gem Lake, MN?
Families in Gem Lake have access to well-rated public and private schools, with local elementary and middle schools offering favorable student-to-teacher ratios. Higher education options are close by, including Century College just 4 miles away and Metropolitan State University within a 12-mile drive. The area’s strong educational infrastructure supports learners of all ages.
Public Schools
Name:
Willow Lane Elementary School
Street:
3375 Willow Ave, White Bear Lake, MN 55110
Phone:
651-653-2830
Students:
410
Student Teacher Ratio:
15.4
Name:
Central Middle School
Street:
4867 N. Hwy 61, White Bear Lake, MN 55110
Phone:
651-653-2888
Students:
1,140
Student Teacher Ratio:
16.1
Private Schools
Name:
Frassati Catholic Academy
Street:
4690 Bald Eagle Ave, White Bear Lake, MN 55110
Phone:
651-429-7771
Students:
210
Colleges
Name:
Century College
City:
White Bear Lake
State:
MN
Distance:
4 miles
Students:
10,500
Name:
Metropolitan State University
City:
St. Paul
State:
MN
Distance:
12 miles
Students:
7,700
Healthcare
Access to healthcare is excellent in Gem Lake, with major hospitals such as Regions Hospital and St. John's Hospital nearby and a high health insurance coverage rate of 96.2%. There are 2.6 physicians per 1,000 residents, ensuring quality medical care for the community. The region’s healthcare index reflects reliable and accessible services for families and individuals.
Major Hospitals
Name:
Regions Hospital
Address:
640 Jackson St, St Paul, MN 55101
Phone:
(651) 254-3456
Type:
General & Surgical
Emergency Services:
Yes
Name:
St. John's Hospital
Address:
1575 Beam Ave, Maplewood, MN 55109
Phone:
(651) 232-7000
Type:
General & Surgical
Emergency Services:
Yes
Physicians Per 1000:
2.6
Health Insurance Coverage:
96.2%
Health Care Index:
78.1
Housing Market
What is the housing market like in Gem Lake, MN?
Gem Lake’s housing market is strong and stable, with a median home price of $430,000 and a high owner-occupancy rate of 91.5%. The average rent for a two-bedroom apartment is $1,420, and the area has a low foreclosure rate of 0.3%. Home values have appreciated modestly in the past year, reflecting steady local demand.
Median Home Price:
$430,000
Average Rent For 2 Bedroom:
$1,420
Owner Occupied Rate:
91.5%
Rental Vacancy Rate:
4.7%
Home Appreciation Rate (1yr):
4.2%
New Construction Rate:
0.8%
Foreclosure Rate:
0.3%
DMV Information
Residents of Gem Lake are served by the Minnesota Department of Public Safety – Driver and Vehicle Services, conveniently located in St. Paul. All vehicle registration and licensing needs can be managed through their official office or website. The department provides efficient services for new residents and long-time Minnesotans alike.
State:
Minnesota
Department:
Minnesota Department of Public Safety – Driver and Vehicle Services
Address:
445 Minnesota St, Suite 190, St. Paul, MN 55101
Phone:
651-297-3298
Website:
Disclaimer: The information provided on this page is based on publicly available sources including AccuWeather, U.S. Census Bureau, local government data, and third-party partners such as Neustar. While we strive to ensure accuracy, all data is provided “as is” and should be independently verified before making any decisions. Movers.com makes no guarantees regarding the completeness or reliability of the information.