Minnesota / County

Moving to Gem Lake, MN

Thinking of making a move to Gem Lake, MN? Get helpful local information about living costs, neighborhoods, schools, weather, housing, DMV details, and practical relocation details before you plan your move.

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Everything You Should Know Before Moving to Gem Lake, MN

Considering a move to Gem Lake, MN? This welcoming community of 525 residents offers a blend of suburban charm and convenience, with median home prices around $430,000 and average rents near $1,420. Commute times average 25 minutes and public transport is accessible, making it great for professionals. The area boasts low violent crime, strong schools, and plenty of sunny days (56% annually), ideal for families and commuters alike. Explore Gem Lake's cost of living, education, and friendly neighborhoods to see if it's the right fit for your next move.

Demographics - Gem Lake, MN

Gem Lake has a population of 525 residents, offering a diverse community with a median age of nearly 50 and a balanced gender ratio. The area features a strong blend of backgrounds, with about 92% White, 1% Black, and 3% Asian residents, and over 7% speaking a language other than English at home. Its high population density contributes to a lively suburban atmosphere.

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?

The cost of living in Gem Lake is higher than the national average, with a cost of living index of 108.6. Median home values are around $430,000 and average rents for a two-bedroom apartment are approximately $1,420. Utilities, groceries, and transportation costs are also elevated, reflecting the area's desirable location and amenities.

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 is considered a safe community, with a low violent crime rate of 65 incidents per 100,000 residents and a property crime chance of 1 in 109. Most residents enjoy peace of mind, making it an attractive choice for families. The crime index remains below many urban areas in Minnesota.

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 experiences four distinct seasons, with warm summers reaching highs of 82°F and cold winters dipping to 7°F. The area receives about 32 inches of rainfall annually and enjoys sunshine on 56% of days. This climate offers residents a balanced mix of outdoor opportunities year-round.

Winter

Min
7°F
Max
24°F

Summer

Min
58°F
Max
82°F

Spring

Min
33°F
Max
62°F

Fall

Min
37°F
Max
63°F
Average Rainfall Inches
32.1 inches
Sunny Days Percentage
56%

Neighbors

The neighborhood boasts a healthy median household income of $122,500 and a low poverty rate of 3.9%. Over 98% of residents have at least a high school diploma, and nearly 50% hold a bachelor's degree or higher. Commute times average 25 minutes, and almost 2% use public transportation, reflecting the area's accessibility and educated population.

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?

Gem Lake offers quality education options, with public schools like Willow Lane Elementary School and Central Middle School known for favorable student-to-teacher ratios. Families also have access to private schools and several nearby colleges, including Century College and Metropolitan State University. The community is committed to educational excellence for all age groups.

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

Gem Lake residents have access to quality healthcare, with major hospitals like Regions Hospital and St. John's Hospital nearby. The community benefits from a high physician-to-resident ratio of 2.6 per 1,000 people and 96.2% health insurance coverage. Local healthcare services are reliable and comprehensive.

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

Healthcare Access

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?

The local housing market is strong, with a median home price of $430,000 and an owner-occupied rate of nearly 92%. The market has seen a 4.2% appreciation over the past year, and rental vacancy rates remain moderate at 4.7%. Gem Lake offers a mix of stability and opportunity for both buyers and renters.

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 handle vehicle services through the Minnesota Department of Public Safety – Driver and Vehicle Services, conveniently located in St. Paul. The state DMV provides driver licensing, vehicle registration, and other essential services both in person and online. Information and resources are easily accessible for new and existing residents.

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

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.

FAQs About Moving to Gem Lake, MN

Answers use the same city data shown on this page, including costs, housing, schools, safety, weather, healthcare, and DMV details.

Before moving to Gem Lake, review the core fields on this page: population 525, median home value $430,000, average rent for 2 bedroom $1,420, commute time 25.2 minutes, and sunny days percentage 56%.

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