Silver Creek, Lake County, MN demographics:
population, income, and more

Total population
4,459
0.1% year-over-year change
Median household income
$74,554/yr
-1.6% year-over-year change
Housing units
2,598
0.7% year-over-year change

Silver Creek population

How many people live in Silver Creek

Silver Creek is home to 4,459 residents, according to the most recent Census data. Gender-wise, 51.4% of Silver Creek locals are male, and 48.6% are female.

Total population
4,459
0.1% year-over-year change
Gender ratio
Male
51.4%
2,291
Female
48.6%
2,167
Value Percent YoY change
Male 2,291 51.4% -0.7%
Female 2,167 48.6% 0.9%
A higher population often means more rental variety and livelier areas. The gender balance—how many men live here compared to women—can reveal a lot about the community and the lifestyles of its residents. Use this info to get a sense of the area's pace and personality.

Age demographics

The median age in Silver Creek is 48, with the population distributed as follows: about 16.7% are children under 15, then 9.8% are in the 15 to 24 age group. Adults between 25 and 44 make up 21.9% of the population, while another 26.5% fall into the 45 to 64 bracket. Finally, around 25.1% are 65 or older.

Median age
48
Age breakdown
Under 15
16.7%
15 to 24
9.8%
25 to 44
21.9%
45 to 64
26.5%
Over 65
25.1%
Value Percent YoY change
Under 15 745 16.7% 0.7%
15 to 24 438 9.8% 0.2%
25 to 44 976 21.9% 1.6%
45 to 64 1,181 26.5% -4.5%
Over 65 1,118 25.1% 3.5%
The age composition helps you get insight into who lives in the area. A younger population might mean a more active, fast-paced vibe, while an older one could suggest a quieter, slower lifestyle. If there's a balanced makeup, you’re likely to find a variety of services, housing types, and community spaces that cater to different life stages.

Racial makeup

In Silver Creek, 98.3% of the population are US-born citizens, while 1.3% have gained naturalized citizenship. At the same time, 0.4% of residents are non-citizens. As for race, 94.3% of locals are Caucasian, 0.2% are African American and 0.5% have Asian roots. There’s also a share of 4.2% that includes residents with two or more races.

Citizenship
U.S.-born citizens
98.3%
Non-U.S.-born citizens
1.3%
Non-citizens
0.4%
Value Percent YoY change
U.S.-born citizens 4,381 98.3% -0.7%
Non-U.S.-born citizens 58 1.3% 114.8%
Non-citizens 19 0.4% 26.7%
Racial breakdown
White
94.3%
Black or African American
0.2%
American Indian and Alaska Native
0.4%
Asian
0.5%
Native Hawaiian and other Pacific Islander
0%
Two or more races
4.2%
Other
0.3%
Value Percent
White 4,206 94.3%
Black or African American 10 0.2%
American Indian and Alaska Native 19 0.4%
Asian 24 0.5%
Two or more races 185 4.2%
Other 15 0.3%

Households in Silver Creek

A peek inside Silver Creek households

Silver Creek has 1,976 households, with an average of 2 members in each. Of these, 61.6% are families, while the remaining 38.4% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
1,976
-2.1% year-over-year change
Average people per household
2
Non-family households
758
Family households
1,218
Value Percent YoY change
Non-family households 758 38.4% 0.0%
Family households 1,218 61.6% -3.5%
The mix between family and non-family households gives a glimpse into daily life. A higher percentage of families might mean more parks and schools, while more non-family setups can mean flexible housing and diverse living styles. For renters, this can signal what kinds of homes are common and can help you figure out if the area matches your lifestyle.

Housing in Silver Creek

The housing landscape of Silver Creek

Silver Creek's housing consists of 2,598 units, with 83.8% being detached single-family homes ideal for those wanting space. Attached options, including duplexes and townhouses, make up 2.7% and offer a more compact, shared living style. Then there are the multifamily buildings in the area, and for those seeking flexibility, non-traditional options like mobile homes account for 2.1% of the housing landscape.

Housing units
2,598
0.7% year-over-year change
Housing types
Value Percent
1 unit, detached 2,176 83.8%
1 unit, attached 69 2.7%
2 units 91 3.5%
3 or 4 units 20 0.8%
5 to 9 units 27 1%
10 to 19 units 55 2.1%
20 to 49 units 73 2.8%
50 or more units 31 1.2%
Mobile home 55 2.1%
Homes built since 2020
9
28.6% year-over-year change

The age of buildings in Silver Creek

In Silver Creek, the median construction year is 1964. About 18.4% of homes were built before the 1940s, with another 4.4% going up by 1949. Most development happened in the second half of the 20th century. Then, 12.7% of homes were added from 2000 to 2009, 4.7% between 2010 and 2019, and 0.4% are part of the newest wave of development.

Construction year breakdown by decade
Value Percent YoY change
Built in 1939 or earlier 479 18.4% 3.7%
Built between 1940 and 1949 113 4.4% -1.7%
Built between 1950 and 1959 599 23.1% -0.7%
Built between 1960 and 1969 276 10.6% 17.4%
Built between 1970 and 1979 340 13.1% -8.1%
Built between 1980 and 1989 142 5.5% -18.9%
Built between 1990 and 1999 187 7.2% 2.8%
Built between 2000 and 2009 329 12.7% -2.1%
Built between 2010 and 2019 123 4.7% 29.5%
Built in 2020 or later 9 0.4% 28.6%
As a renter, knowing when homes were built helps you understand the potential condition and design of rental units. Newer builds may have more contemporary layouts, while older homes can offer character or larger lots, depending on the area.

Silver Creek occupancy rates

Out of the 1,976 occupied housing units in Silver Creek, 81.8% are owner-occupied, while 18.2% are lived in by tenants. Meanwhile, 23.9% of all homes on the local market sit vacant.

Occupied housing units
1,976
-2.1% year-over-year change
Occupancy breakdown
Renter occupied
359
Owner occupied
1,617
Value Percent YoY
change
Renter occupied 359 18.2% 3.5%
Owner occupied 1,617 81.8% -3.3%
Unoccupied housing units
23.9%
Unoccupied housing units refer to homes that are currently without residents—whether they're waiting for renters or owners, used seasonally, or simply unclaimed. A higher share of empty homes may mean more housing availability, while a low number can reflect a tighter market with more competition. This, along with the renter-vs.-owner mix, helps paint a clearer picture of what types of housing and services are likely to be available in the area.

Silver Creek housing costs

Housing costs in Silver Creek come to a median of $954 per month, while tenants specifically pay a median gross rent of $1,117.

Median housing costs per month
$954/month
This figure sums up typical monthly housing costs for all households in the area. If you own, it includes mortgage payments in addition to property taxes, insurance and HOA fees. If you rent, it accounts for rent plus extras like utilities. It’s useful for seeing how local living expenses stack up compared to other places.
Median gross rent in Silver Creek
$1,117/month
Gross rent gives a more complete look at what renters actually pay, including not just base rent, but also utilities and fees. It’s a key number for evaluating rental affordability in your area of interest and understanding how it compares to nearby locations.

Education in Silver Creek

Silver Creek education at a glance

About 35.6% of the population in Silver Creek went to high school, while 23.4% pursued college studies. Another 16.2% earned an associate degree and 15.6% hold a bachelor’s. Meanwhile, 7.8% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
No high school 50 1.4% -3.9%
High school diploma 1,261 35.6% -4.2%
College diploma 827 23.4% -1.9%
Associate degree 574 16.2% 5.1%
Bachelor's degree 551 15.6% 5.2%
Graduate degree 275 7.8% 4.2%
A community’s education mix can offer insights into the local economy and housing market. Higher levels of education often align with more job opportunities and stable incomes, which can increase demand for homes and influence both rent prices and rental availability.

Income in Silver Creek

How much people earn in Silver Creek

The average annual household income in Silver Creek was $89,044 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a +3% change from the previous year. At the same time, the median income stood at $74,554, reflecting a -1.6% shift over the same period.

Average household income in Silver Creek
$89,044/year
3.0% year-over-year change
Median household income in Silver Creek
$74,554/year
-1.6% year-over-year change

Silver Creek income by age

In Silver Creek, households led by residents aged 25 to 44 — usually in the early to mid stages of their careers — have a median income of $90,178. Those with someone between 45 and 64 in charge, often well established professionally, earn $83,504 overall. Younger households, where the main provider is under 25 and just starting out, report a median income of $122,681, while those led by someone over 65, many of whom may be retired, have about $55,893 in earnings. Overall, 91.7% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
Under 25 $122,681 2.6%
25 - 44 $90,178 4.4%
45 - 64 $83,504 4.5%
Over 65 $55,893 6.6%
Above poverty level
3,985
Below poverty level
359
Value Percent YoY
change
Above poverty level 3,985 91.7% 0.1%
Below poverty level 359 8.3% 1.1%

Employment in Silver Creek

Workforce and job types in Silver Creek

72.7% of the working population are employed in professional or administrative positions, while 27.3% are in hands-on or service-based jobs. Also, 14.1% run their own businesses, 60.5% are employed by private companies, and 15% work in the public sector.

Workforce demographics

White collar
1,487
Blue collar
558
Value Percent YoY change
White collar 1,487 72.7% 1.0%
Blue collar 558 27.3% -12.7%
Employer type
Self employees
14.1%
Private companies
60.5%
Governmental workers
15%
Not for profit companies
10.5%
Value Percent YoY change
Self employees 288 14.1% 4.0%
Private companies 1,238 60.5% -4.5%
Governmental workers 306 15% -7.3%
Not for profit companies 214 10.5% 2.9%

Transportation in Silver Creek

How people get around in Silver Creek

Commuting methods vary: 95.7% of residents travel by personal vehicle and 3.6% prefer to walk, while the remaining share relies on public transit or on two wheelers to get from A to B.

Means of transportation
Value Percent YoY change
Car 1,651 95.7% -5.5%
Bus or trolleybus 6 0.4% -33.3%
Bicycle 6 0.4% -14.3%
Walk 62 3.6% -29.6%
Understanding how locals get to work can help you plan your own routine. High car usage might mean you’ll need a vehicle, while strong public transit or walkability could save you the hassle. Commute times also play a big role in quality of life—shorter trips can give you more time for the things you enjoy.

What is the median and average household income in Silver Creek by zipcode?

Zipcode Population Number of households Median income Average income
55614 2,485 1,240 $72,981 $90,584
55616 7,250 3,070 $76,127 $91,022

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FAQs about Silver Creek demographics 

What is the total population of Silver Creek?

Silver Creek has a total population of 4,459 residents, according to the latest release from the U.S. Census Bureau: the 2019-2023 American Community Survey (ACS) 5-year estimates. This figure changed by +0.1% compared to a year ago.

What is the gender ratio in Silver Creek?

The gender ratio in Silver Creek is as follows:
  • 51.4% males (2,291 residents)
  • 48.6% females (2,167 residents)

What is the median age in Silver Creek?

The median age in Silver Creek is 48.

What is the age distribution of the population in Silver Creek?

The age distribution in Silver Creek is as follows:
  • Under 15: 16.7% (745 residents)
  • Ages 15-24: 9.8% (438 residents)
  • Ages 25-44: 21.9% (976 residents)
  • Ages 45-64: 26.5% (1,181 residents)
  • Over 65: 25.1% (1,118 residents)

What is the racial and ethnic makeup of Silver Creek?

The racial and ethnic makeup of Silver Creek is as follows:
  • White: 94.3% (4,206 residents)
  • Black or African American: 0.2% (10 residents)
  • American Indian and Alaska Native: 0.4% (19 residents)
  • Asian: 0.5% (24 residents)
  • Native Hawaiian and Other Pacific Islander: 0% (0 residents)
  • Two or More Races: 4.2% (185 residents)
  • Other: 0.3% (15 residents)

What percentage of the population in Silver Creek are U.S.-born citizens?

U.S.-born citizens represent 98.3% of the population in Silver Creek.

How many housing units are there in Silver Creek?

There are 2,598 housing units in Silver Creek, reflecting a +0.7% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

How many households are in Silver Creek and what is the average household size?

Silver Creek has a total of 1,976 households, with an average of 2 people in each.

What is the median household income in Silver Creek?

Silver Creek has a median household income of $74,554, representing a -1.6% shift from the previous year, according to the U.S. Census Bureau.

What is the job market overview for Silver Creek?

Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 72.7% (1,487 residents)
  • Blue-collar workers: 27.3% (558 residents)

Places of employment:
  • Self-employed: 14.1% (288 residents)
  • Private companies: 60.5% (1,238 residents)
  • Governmental workers: 15% (306 residents)
  • Not-for-profit companies: 10.5% (214 residents)

Data source & methodology

The demographic data on this page was sourced from the latest U.S. Census Bureau release—the 2019–2023 American Community Survey (ACS) 5-year estimates.

The information, issued annually, is compiled and published by the Point2Homes Research Team as soon as new data becomes available.

No representation, guarantee, or warranty is made concerning the accuracy or completeness of modified or aggregated information for particular areas.

Page last updated: September 2025