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 417 residents offers a blend of suburban charm and convenience, with median home prices around $470,000 and average rents near $1,550. 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 417 residents, offering a diverse community with a median age of nearly 47 and a balanced gender ratio. The area features a strong blend of backgrounds, with about 91% White, 1% Black, and 5% Asian residents, and over 6% speaking a language other than English at home. Its high population density contributes to a lively suburban atmosphere.

Population
417
Density
410 per sq mi
Median Age
46.8
Gender Ratio
98 males per 100 females
Non-English Speakers Percentage
5.8%

Ethnic Composition

White
90.8%
Black
1.2%
Asian
4.6%
Others
3.4%

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 118.4. Median home values are around $470,000 and average rents for a two-bedroom apartment are approximately $1,550. Utilities, groceries, and transportation costs are also elevated, reflecting the area's desirable location and amenities.

Median House Value
$470,000
Gross Rent
$1,550
Monthly Electricity Charges
$120
Auto Insurance
$1,620
House Owner Cost With Mortgage
$2,450
House Owner Cost Without Mortgage
$730
State Taxes
Low: 5.35%| High: 9.85%
Cost Of Living Index
118.4
Grocery
103.5
Housing
124.8
Utilities
98.7
Transportation
101.9
Health Care
100.8
Miscellaneous
101.2

Crime

Is Gem Lake, MN a safe place to live?

Gem Lake is considered a safe community, with a low violent crime rate of 62 incidents per 100,000 residents and a property crime chance of 1 in 122. 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
62
Property Crimes Per 100k
820
Crime Index
882
Chance Of Violent Crime
1 in 1,613
Chance Of Property Crime
1 in 122

Weather

What is the weather like in Gem Lake, MN year-round?

Gem Lake experiences four distinct seasons, with warm summers reaching highs of 83°F and cold winters dipping to 8°F. The area receives about 30 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
8°F
Max
24°F

Summer

Min
64°F
Max
83°F

Spring

Min
38°F
Max
64°F

Fall

Min
42°F
Max
64°F
Average Rainfall Inches
30.0 inches
Sunny Days Percentage
56%

Neighbors

The neighborhood boasts a healthy median household income of $132,000 and a low poverty rate of 2.8%. Over 98% of residents have at least a high school diploma, and nearly 59% hold a bachelor's degree or higher. Commute times average 25 minutes, and almost 3% use public transportation, reflecting the area's accessibility and educated population.

Median Income
$62,000
Household Income
$132,000
Family Income
$150,000
Per Capita Income
$58,500
Income Male
$71,000
Income Female
$54,000
Poverty Rate
2.8%
Non English Speakers
10.5%
Rent
$1,550
Unemployment Rate
2.9%
Public Transport Usage
3.1%
Commute Time
25.4 minutes

Education

High School or Higher
98.1%
Bachelors or More
58.7%

Education

How are the schools in Gem Lake, MN?

Gem Lake offers quality education options, with public schools like North High School and White Bear Lake Area Middle School known for favorable student-to-teacher ratios. Families also have access to private schools and several nearby colleges, including Century College and Concordia University, St. Paul. The community is committed to educational excellence for all age groups.

Public Schools

Name
North High School
Street
2416 E 11th Ave
Phone
(651) 793-4700
Students
1,400
Student Teacher Ratio
17.1
Name
White Bear Lake Area Middle School
Street
4001 Garden Ave
Phone
(651) 653-2800
Students
1,050
Student Teacher Ratio
18.0

Private Schools

Name
St. Mary of the Lake School
Street
4690 Bald Eagle Ave
Phone
(651) 429-7771
Students
260

Colleges

Name
Century College
City
White Bear Lake
State
MN
Distance
6 miles
Students
10,000
Name
Concordia University, St. Paul
City
St. Paul
State
MN
Distance
10 miles
Students
4,000

Healthcare

Gem Lake residents have access to quality healthcare, with major hospitals like M Health Fairview St. John's Hospital and Regions Hospital nearby. The community benefits from a high physician-to-resident ratio of 2.6 per 1,000 people and 96.4% health insurance coverage. Local healthcare services are reliable and comprehensive.

Major Hospitals

Name
M Health Fairview St. John's Hospital
Address
1575 Beam Ave, Maplewood, MN 55109
Phone
(651) 232-7000
Type
General & Surgical
Emergency Services
Yes
Name
Regions Hospital
Address
640 Jackson St, St. Paul, MN 55101
Phone
(651) 254-3456
Type
General & Surgical
Emergency Services
Yes

Healthcare Access

Physicians Per 1000
2.6
Health Insurance Coverage
96.4%
Health Care Index
77.8

Housing Market

What is the housing market like in Gem Lake, MN?

The local housing market is strong, with a median home price of $470,000 and an owner-occupied rate of nearly 92%. The market has seen a 3.9% appreciation over the past year, and rental vacancy rates remain moderate at 4.1%. Gem Lake offers a mix of stability and opportunity for both buyers and renters.

Median Home Price
$470,000
Average Rent For 2 Bedroom
$1,550
Owner Occupied Rate
91.5%
Rental Vacancy Rate
4.1%
Home Appreciation Rate (1yr)
3.9%
New Construction Rate
1.6%
Foreclosure Rate
0.4%

DMV Information

Residents of Gem Lake handle vehicle services through the Minnesota 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 Driver and Vehicle Services
Address
445 Minnesota St, Suite 190, St. Paul, MN 55101
Phone
(651) 297-2126

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 417, median home value $470,000, average rent for 2 bedroom $1,550, commute time 25.4 minutes, and sunny days percentage 56%.

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