White Bear Lake, MN demographics:
population, income, and more

Total population
23,908
-0.5% year-over-year change
Median household income
$83,554/yr
4.8% year-over-year change
Housing units
11,060
1.1% year-over-year change

White Bear Lake population

How many people live in White Bear Lake

White Bear Lake is home to 23,908 residents, according to the most recent Census data. Gender-wise, 48.4% of White Bear Lake locals are male, and 51.6% are female.

Total population
23,908
-0.5% year-over-year change
Gender ratio
Male
48.4%
11,567
Female
51.6%
12,341
Value Percent YoY change
Male 11,567 48.4% -0.3%
Female 12,341 51.6% -0.7%
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 White Bear Lake is 42, with the population distributed as follows: about 17.4% are children under 15, then 11% are in the 15 to 24 age group. Adults between 25 and 44 make up 24.3% of the population, while another 26% fall into the 45 to 64 bracket. Finally, around 21.3% are 65 or older.

Median age
41.9
Age breakdown
Under 15
17.4%
15 to 24
11%
25 to 44
24.3%
45 to 64
26%
Over 65
21.3%
Value Percent YoY change
Under 15 4,171 17.4% -4.4%
15 to 24 2,627 11% -4.0%
25 to 44 5,807 24.3% 7.4%
45 to 64 6,217 26% -2.2%
Over 65 5,086 21.3% -1.3%
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 White Bear Lake, 92.1% of the population are US-born citizens, while 5.1% have gained naturalized citizenship. At the same time, 2.7% of residents are non-citizens. As for race, 83% of locals are Caucasian, 3.4% are African American and 6.4% have Asian roots. There’s also a share of 5.2% that includes residents with two or more races.

Citizenship
U.S.-born citizens
92.1%
Non-U.S.-born citizens
5.1%
Non-citizens
2.7%
Value Percent YoY change
U.S.-born citizens 22,024 92.1% -0.9%
Non-U.S.-born citizens 1,228 5.1% 21.8%
Non-citizens 656 2.7% -17.3%
Racial breakdown
White
83%
Black or African American
3.4%
American Indian and Alaska Native
0.2%
Asian
6.4%
Native Hawaiian and other Pacific Islander
0%
Two or more races
5.2%
Other
1.9%
Value Percent
White 19,842 83%
Black or African American 813 3.4%
American Indian and Alaska Native 35 0.2%
Asian 1,517 6.4%
Two or more races 1,241 5.2%
Other 460 1.9%

Households in White Bear Lake

A peek inside White Bear Lake households

White Bear Lake has 10,563 households, with an average of 2 members in each. Of these, 58.3% are families, while the remaining 41.7% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
10,563
1.2% year-over-year change
Average people per household
2
Non-family households
4,408
Family households
6,155
Value Percent YoY change
Non-family households 4,408 41.7% 4.2%
Family households 6,155 58.3% -0.9%
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 White Bear Lake

The housing landscape of White Bear Lake

White Bear Lake's housing consists of 11,060 units, with 58.7% being detached single-family homes ideal for those wanting space. Attached options, including duplexes and townhouses, make up 11.3% and offer a more compact, shared living style.

Housing units
11,060
1.1% year-over-year change
Housing types
Value Percent
1 unit, detached 6,492 58.7%
1 unit, attached 1,249 11.3%
2 units 152 1.4%
3 or 4 units 77 0.7%
5 to 9 units 98 0.9%
10 to 19 units 506 4.6%
20 to 49 units 897 8.1%
50 or more units 1,589 14.4%
Homes built since 2020
162
78.0% year-over-year change

The age of buildings in White Bear Lake

In White Bear Lake, the median construction year is 1969. About 10.4% of homes were built before the 1940s, with another 2.9% going up by 1949. Most development happened in the second half of the 20th century. Then, 7.8% of homes were added from 2000 to 2009, 5% between 2010 and 2019, and 1.5% are part of the newest wave of development.

Construction year breakdown by decade
Value Percent YoY change
Built in 1939 or earlier 1,152 10.4% 19.9%
Built between 1940 and 1949 317 2.9% -0.3%
Built between 1950 and 1959 2,202 19.9% -0.6%
Built between 1960 and 1969 1,987 18% -0.1%
Built between 1970 and 1979 1,159 10.5% -17.5%
Built between 1980 and 1989 1,470 13.3% -3.4%
Built between 1990 and 1999 1,205 10.9% 8.5%
Built between 2000 and 2009 857 7.8% -0.8%
Built between 2010 and 2019 549 5% 19.1%
Built in 2020 or later 162 1.5% 78.0%
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.

White Bear Lake occupancy rates

Out of the 10,563 occupied housing units in White Bear Lake, 67.8% are owner-occupied, while 32.2% are lived in by tenants. Meanwhile, 4.5% of all homes on the local market sit vacant.

Occupied housing units
10,563
1.2% year-over-year change
Occupancy breakdown
Renter occupied
3,399
Owner occupied
7,164
Value Percent YoY
change
Renter occupied 3,399 32.2% -5.9%
Owner occupied 7,164 67.8% 5.0%
Unoccupied housing units
4.5%
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.

White Bear Lake housing costs

Housing costs in White Bear Lake come to a median of $1,587 per month, while tenants specifically pay a median gross rent of $1,601.

Median housing costs per month
$1,587/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 White Bear Lake
$1,601/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 White Bear Lake

White Bear Lake education at a glance

About 26.6% of the population in White Bear Lake went to high school, while 20.8% pursued college studies. Another 11.2% earned an associate degree and 28.4% hold a bachelor’s. Meanwhile, 11% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
No high school 392 2.1% 25.2%
High school diploma 5,049 26.6% -3.3%
College diploma 3,953 20.8% -3.3%
Associate degree 2,125 11.2% -0.1%
Bachelor's degree 5,407 28.4% 5.0%
Graduate degree 2,094 11% 6.5%
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 White Bear Lake

How much people earn in White Bear Lake

The average annual household income in White Bear Lake was $105,618 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a +3.7% change from the previous year. At the same time, the median income stood at $83,554, reflecting a +4.8% shift over the same period.

Average household income in White Bear Lake
$105,618/year
3.7% year-over-year change
Median household income in White Bear Lake
$83,554/year
4.8% year-over-year change

White Bear Lake income by age

In White Bear Lake, households led by residents aged 25 to 44 — usually in the early to mid stages of their careers — have a median income of $100,077. Those with someone between 45 and 64 in charge, often well established professionally, earn $106,214 overall. Younger households, where the main provider is under 25 and just starting out, report a median income of $85,647, while those led by someone over 65, many of whom may be retired, have about $56,402 in earnings. Overall, 92.9% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
Under 25 $85,647 3.5%
25 - 44 $100,077 1.6%
45 - 64 $106,214 6.3%
Over 65 $56,402 1.3%
Above poverty level
21,571
Below poverty level
1,638
Value Percent YoY
change
Above poverty level 21,571 92.9% -0.2%
Below poverty level 1,638 7.1% -11.2%

Average renter income in White Bear Lake

To get a better sense of what renters earn on average in White Bear Lake, their median household income was $51,970 according to 2022 Census data. In addition, the rent-to-income ratio in the area, at 37%, shows what portion of their earnings goes toward housing expenses.

Renter median household income
$51,970
Rent-to-income ratio
37%
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 White Bear Lake

Workforce and job types in White Bear Lake

The job market in White Bear Lake is powered by 12,339 working residents, spread across a range of industries and roles. 80.4% of the working population are employed in professional or administrative positions, while 19.6% are in hands-on or service-based jobs. Also, 7.7% run their own businesses, 64.2% are employed by private companies, and 13.8% work in the public sector.

Workforce demographics

Working population
12,339
3.9% year-over-year change
White collar
9,925
Blue collar
2,414
Value Percent YoY change
White collar 9,925 80.4% 5.2%
Blue collar 2,414 19.6% -1.3%
Employer type
Self employees
7.7%
Private companies
64.2%
Governmental workers
13.8%
Not for profit companies
14.4%
Value Percent YoY change
Self employees 949 7.7% 12.8%
Private companies 7,917 64.2% -0.9%
Governmental workers 1,701 13.8% 10.3%
Not for profit companies 1,772 14.4% 17.7%
Unemployment rate
4.0%
-23.8% year-over-year change

Available workforce

The unemployment rate in White Bear Lake stands at 4%, 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 White Bear Lake

How people get around in White Bear Lake

In White Bear Lake, the average commute time is 22 minutes. Commuting methods vary: 75.8% of residents travel by personal vehicle and 1.5% prefer to walk, while the remaining share relies on public transit or on two wheelers to get from A to B.

Commute time
22 min
-1.4% year-over-year change
Means of transportation
Value Percent YoY change
Car 9,185 75.8% 1.0%
Taxicab 49 0.4% N/A
Bus or trolleybus 89 0.7% 14.1%
Walk 177 1.5% -0.6%
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 White Bear Lake by zipcode?

Zipcode Population Number of households Median income Average income
55110 37,305 15,715 $101,296 $131,655

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FAQs about White Bear Lake demographics 

What is the total population of White Bear Lake?

White Bear Lake has a total population of 23,908 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 -0.5% compared to a year ago.

What is the gender ratio in White Bear Lake?

The gender ratio in White Bear Lake is as follows:
  • 48.4% males (11,567 residents)
  • 51.6% females (12,341 residents)

What is the median age in White Bear Lake?

The median age in White Bear Lake is 41.9.

What is the age distribution of the population in White Bear Lake?

The age distribution in White Bear Lake is as follows:
  • Under 15: 17.4% (4,171 residents)
  • Ages 15-24: 11% (2,627 residents)
  • Ages 25-44: 24.3% (5,807 residents)
  • Ages 45-64: 26% (6,217 residents)
  • Over 65: 21.3% (5,086 residents)

What is the racial and ethnic makeup of White Bear Lake?

The racial and ethnic makeup of White Bear Lake is as follows:
  • White: 83% (19,842 residents)
  • Black or African American: 3.4% (813 residents)
  • American Indian and Alaska Native: 0.2% (35 residents)
  • Asian: 6.4% (1,517 residents)
  • Native Hawaiian and Other Pacific Islander: 0% (0 residents)
  • Two or More Races: 5.2% (1,241 residents)
  • Other: 1.9% (460 residents)

What percentage of the population in White Bear Lake are U.S.-born citizens?

U.S.-born citizens represent 92.1% of the population in White Bear Lake.

How many housing units are there in White Bear Lake?

There are 11,060 housing units in White Bear Lake, reflecting a +1.1% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

How many households are in White Bear Lake and what is the average household size?

White Bear Lake has a total of 10,563 households, with an average of 2 people in each.

What is the median household income in White Bear Lake?

White Bear Lake has a median household income of $83,554, representing a +4.8% shift from the previous year, according to the U.S. Census Bureau.

What is the employment rate and job market overview for White Bear Lake?

The employment rate is 96% in White Bear Lake, with a workforce of 12,339 residents. Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 80.4% (9,925 residents)
  • Blue-collar workers: 19.6% (2,414 residents)

Places of employment:
  • Self-employed: 7.7% (949 residents)
  • Private companies: 64.2% (7,917 residents)
  • Governmental workers: 13.8% (1,701 residents)
  • Not-for-profit companies: 14.4% (1,772 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