Tonka Bay, MN demographics:
population, income, and more

Total population
1,270
-6.7% year-over-year change
Median household income
$156,458/yr
3.2% year-over-year change
Housing units
629
1.6% year-over-year change

Tonka Bay population

How many people live in Tonka Bay

Tonka Bay is home to 1,270 residents, according to the most recent Census data. Gender-wise, 52.5% of Tonka Bay locals are male, and 47.5% are female.

Total population
1,270
-6.7% year-over-year change
Gender ratio
Male
52.5%
667
Female
47.5%
603
Value Percent YoY change
Male 667 52.5% -3.8%
Female 603 47.5% -9.7%
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 Tonka Bay is 60, with the population distributed as follows: about 9.1% are children under 15, then 8% are in the 15 to 24 age group. Adults between 25 and 44 make up 11.8% of the population, while another 37.7% fall into the 45 to 64 bracket. Finally, around 33.3% are 65 or older.

Median age
59.8
Age breakdown
Under 15
9.1%
15 to 24
8%
25 to 44
11.8%
45 to 64
37.7%
Over 65
33.3%
Value Percent YoY change
Under 15 116 9.1% -5.7%
15 to 24 102 8% -20.9%
25 to 44 150 11.8% -7.4%
45 to 64 479 37.7% -8.4%
Over 65 423 33.3% -0.2%
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 Tonka Bay, 95.8% of the population are US-born citizens, while 3.5% have gained naturalized citizenship. At the same time, 0.8% of residents are non-citizens. As for race, 93% of locals are Caucasian, 0.4% are African American and 0.5% have Asian roots. There’s also a share of 5% that includes residents with two or more races.

Citizenship
U.S.-born citizens
95.8%
Non-U.S.-born citizens
3.5%
Non-citizens
0.8%
Value Percent YoY change
U.S.-born citizens 1,216 95.8% -5.4%
Non-U.S.-born citizens 44 3.5% -20.0%
Non-citizens 10 0.8% -52.4%
Racial breakdown
White
93%
Black or African American
0.4%
American Indian and Alaska Native
0%
Asian
0.5%
Native Hawaiian and other Pacific Islander
0%
Two or more races
5%
Other
1.2%
Value Percent
White 1,181 93%
Black or African American 5 0.4%
Asian 6 0.5%
Two or more races 63 5%
Other 15 1.2%

Households in Tonka Bay

A peek inside Tonka Bay households

Tonka Bay has 559 households, with an average of 2 members in each. Of these, 77.3% are families, while the remaining 22.7% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
559
-1.8% year-over-year change
Average people per household
2
Non-family households
127
Family households
432
Value Percent YoY change
Non-family households 127 22.7% 29.6%
Family households 432 77.3% -8.3%
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 Tonka Bay

The housing landscape of Tonka Bay

Tonka Bay's housing consists of 629 units, with 87.8% being detached single-family homes ideal for those wanting space. Attached options, including duplexes and townhouses, make up 6.4% and offer a more compact, shared living style.

Housing units
629
1.6% year-over-year change
Housing types
Value Percent
1 unit, detached 552 87.8%
1 unit, attached 40 6.4%
20 to 49 units 21 3.3%
50 or more units 16 2.5%
Homes built since 2020
36
71.4% year-over-year change

The age of buildings in Tonka Bay

In Tonka Bay, the median construction year is 1982. About 23% of homes were built before the 1940s, with another 4% going up by 1949. Most development happened in the second half of the 20th century. Then, 6.7% of homes were added from 2000 to 2009, 8.6% between 2010 and 2019, and 5.7% are part of the newest wave of development.

Construction year breakdown by decade
Value Percent YoY change
Built in 1939 or earlier 145 23% -24.1%
Built between 1940 and 1949 25 4% -16.7%
Built between 1950 and 1959 52 8.3% 33.3%
Built between 1960 and 1969 13 2.1% 8.3%
Built between 1970 and 1979 57 9.1% 62.9%
Built between 1980 and 1989 126 20% -14.3%
Built between 1990 and 1999 79 12.6% 25.4%
Built between 2000 and 2009 42 6.7% 0.0%
Built between 2010 and 2019 54 8.6% 38.5%
Built in 2020 or later 36 5.7% 71.4%
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.

Tonka Bay occupancy rates

Out of the 559 occupied housing units in Tonka Bay, 81.4% are owner-occupied, while 18.6% are lived in by tenants. Meanwhile, 11.1% of all homes on the local market sit vacant.

Occupied housing units
559
-1.8% year-over-year change
Occupancy breakdown
Renter occupied
104
Owner occupied
455
Value Percent YoY
change
Renter occupied 104 18.6% 38.7%
Owner occupied 455 81.4% -7.9%
Unoccupied housing units
11.1%
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.

Tonka Bay housing costs

Housing costs in Tonka Bay come to a median of $2,605 per month, while tenants specifically pay a median gross rent of $2,320.

Median housing costs per month
$2,605/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 Tonka Bay
$2,320/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 Tonka Bay

Tonka Bay education at a glance

About 18.3% of the population in Tonka Bay went to high school, while 15.6% pursued college studies. Another 4.2% earned an associate degree and 38.4% hold a bachelor’s. Meanwhile, 23.2% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
No high school 3 0.3% -70.0%
High school diploma 199 18.3% 2.0%
College diploma 170 15.6% 0.0%
Associate degree 46 4.2% -25.8%
Bachelor's degree 418 38.4% -10.5%
Graduate degree 253 23.2% -2.7%
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 Tonka Bay

How much people earn in Tonka Bay

The average annual household income in Tonka Bay was $281,899 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a -9.2% change from the previous year. At the same time, the median income stood at $156,458, reflecting a +3.2% shift over the same period.

Average household income in Tonka Bay
$281,899/year
-9.2% year-over-year change
Median household income in Tonka Bay
$156,458/year
3.2% year-over-year change

Tonka Bay income by age

In Tonka Bay, households led by residents aged 25 to 44 — usually in the early to mid stages of their careers — have a median income of $155,417. Those with someone between 45 and 64 in charge, often well established professionally, earn $173,472 overall. Overall, 96.5% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
25 - 44 $155,417 7.7%
45 - 64 $173,472 9.2%
Over 65 $143,542 3.8%
Above poverty level
1,221
Below poverty level
44
Value Percent YoY
change
Above poverty level 1,221 96.5% -7.4%
Below poverty level 44 3.5% 2.3%

Average renter income in Tonka Bay

To get a better sense of what renters earn on average in Tonka Bay, their median household income was $127,813 according to 2022 Census data. In addition, the rent-to-income ratio in the area, at 21.8%, shows what portion of their earnings goes toward housing expenses.

Renter median household income
$127,813
Rent-to-income ratio
21.8%
Understanding the rent-to-income ratio can help renters gauge if local housing costs align with their earnings. A ratio under 30% usually signals affordability, while exceeding this mark means rent is taking a larger-than-recommended bite out of income. That could make it harder for you to cover other costs like transportation, healthcare, or child care.

Employment in Tonka Bay

Workforce and job types in Tonka Bay

The job market in Tonka Bay is powered by 524 working residents, spread across a range of industries and roles. 88.7% of the working population are employed in professional or administrative positions, while 11.3% are in hands-on or service-based jobs. Also, 27.1% run their own businesses, 57.8% are employed by private companies, and 6.7% work in the public sector.

Workforce demographics

Working population
524
-10.0% year-over-year change
White collar
465
Blue collar
59
Value Percent YoY change
White collar 465 88.7% -13.6%
Blue collar 59 11.3% 34.1%
Employer type
Self employees
27.1%
Private companies
57.8%
Governmental workers
6.7%
Not for profit companies
8.4%
Value Percent YoY change
Self employees 142 27.1% -2.7%
Private companies 303 57.8% -16.1%
Governmental workers 35 6.7% 9.4%
Not for profit companies 44 8.4% 2.3%
Unemployment rate
9.7%
-3.5% year-over-year change

Available workforce

The unemployment rate in Tonka Bay stands at 9.7%, representing the share of the workforce currently without a job and actively looking for one.

For renters, the unemployment rate helps paint a picture of job security and financial stability in the area. Rates around 4% to 5% are considered typical. A lower-than-average rate might suggest strong job prospects and a thriving local economy, while a higher rate could hint at fewer opportunities—both useful to consider when planning a move.

Transportation in Tonka Bay

How people get around in Tonka Bay

Commuting methods vary: 58.2% of residents travel by personal vehicle and 0.6% 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 305 58.2% -13.6%
Bus or trolleybus 5 1% -64.3%
Walk 3 0.6% -25.0%
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 Tonka Bay by zipcode?

Zipcode Population Number of households Median income Average income
55331 19,805 7,816 $159,450 $259,689

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FAQs about Tonka Bay demographics 

What is the total population of Tonka Bay?

Tonka Bay has a total population of 1,270 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 -6.7% compared to a year ago.

What is the gender ratio in Tonka Bay?

The gender ratio in Tonka Bay is as follows:
  • 52.5% males (667 residents)
  • 47.5% females (603 residents)

What is the median age in Tonka Bay?

The median age in Tonka Bay is 59.8.

What is the age distribution of the population in Tonka Bay?

The age distribution in Tonka Bay is as follows:
  • Under 15: 9.1% (116 residents)
  • Ages 15-24: 8% (102 residents)
  • Ages 25-44: 11.8% (150 residents)
  • Ages 45-64: 37.7% (479 residents)
  • Over 65: 33.3% (423 residents)

What is the racial and ethnic makeup of Tonka Bay?

The racial and ethnic makeup of Tonka Bay is as follows:
  • White: 93% (1,181 residents)
  • Black or African American: 0.4% (5 residents)
  • American Indian and Alaska Native: 0% (0 residents)
  • Asian: 0.5% (6 residents)
  • Native Hawaiian and Other Pacific Islander: 0% (0 residents)
  • Two or More Races: 5% (63 residents)
  • Other: 1.2% (15 residents)

What percentage of the population in Tonka Bay are U.S.-born citizens?

U.S.-born citizens represent 95.8% of the population in Tonka Bay.

How many housing units are there in Tonka Bay?

There are 629 housing units in Tonka Bay, reflecting a +1.6% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

How many households are in Tonka Bay and what is the average household size?

Tonka Bay has a total of 559 households, with an average of 2 people in each.

What is the median household income in Tonka Bay?

Tonka Bay has a median household income of $156,458, representing a +3.2% shift from the previous year, according to the U.S. Census Bureau.

What is the employment rate and job market overview for Tonka Bay?

The employment rate is 90.3% in Tonka Bay, with a workforce of 524 residents. Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 88.7% (465 residents)
  • Blue-collar workers: 11.3% (59 residents)

Places of employment:
  • Self-employed: 27.1% (142 residents)
  • Private companies: 57.8% (303 residents)
  • Governmental workers: 6.7% (35 residents)
  • Not-for-profit companies: 8.4% (44 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