Minnesota · Metropolitan Area
Gem Lake is a small town in Minnesota with a population of 521. Residents earn $146,250 per year, which is 95% above the national average.
Based on current data, Gem Lake receives an overall livability score of 4.9 out of 5.0, earning a grade of A+. Key strengths include above-average household incomes, low unemployment, a highly educated population, a low poverty rate. Areas to be aware of include high housing costs. Gem Lake stands out as an excellent place to live, with strong marks across most quality-of-life indicators.
The median household income in Gem Lake is $146,250, which is significantly higher than the national average — 95% above $75,149. This places Gem Lake among higher-income communities. The job market is very strong with unemployment at just 0.3%. Only 2.0% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 21 minutes.
The median home value in Gem Lake is $536,600, making it a premium housing market at 90% above the U.S. median of $281,900. Renters pay a median of $1,750 per month, significantly above the national average of $1,163. A price-to-income ratio of 3.7x indicates a reasonably affordable housing market.
Gem Lake is a highly educated community — 52.6% of adults hold a bachelor's degree or higher, well above the national average of 33.7%. 99.7% have completed high school. Local schools score 6.1/10 in standardized testing, reflecting strong academic performance.
Gem Lake experiences four distinct seasons with an average temperature of 47°F. Winters average 17°F in January while summers reach 74°F in July. Annual precipitation totals 33.1 inches. Air quality is rated Good with a median AQI of 36.
| English Only | 99.1% |
| 26% above US avg | |
| Spanish | 0.9% |
| 93% below US avg |
| Median HH Income | $146,250 |
| 95% above US avg | |
| Per Capita Income | $71,195 |
| Avg Weekly Wage | $1,498 |
| IRS Avg AGI | $85,420 |
| Unemployment | 0.3% |
| 92% below US avg | |
| Poverty Rate | 2.0% |
| 84% below US avg | |
| Establishments (County) | 15,457 |
| County GDP | $56,256M |
| Restaurants | 1,243 |
| Healthcare | 2,303 |
| Retail | 1,460 |
| Manufacturing | 532 |
| Property Tax (IRS) | $6,331 |
| 81% above US avg | |
| Effective Tax Rate | 1.18% |
| Commute Time | 21.3 min |
| Drive Alone | 73.0% |
| Public Transit | 0.4% |
| Work from Home | 21.3% |
| Census Median | $536,600 |
| 90% above US avg | |
| Zillow ZHVI | $600,544 |
| Census Median Rent | $1,750 |
| 50% above US avg | |
| Rent Burden | 51.0% |
| Studio | $809 |
| 1 Bedroom | $899 |
| 2 Bedrooms | $1,125 |
| 3 Bedrooms | $1,483 |
| 4 Bedrooms | $1,698 |
| Owner-Occupied | 90.4% |
| Avg Tax (IRS) | $6,331 |
| 81% above US avg | |
| Effective Rate | 1.18% |
| Obesity | 29.7% |
| 7% below US avg | |
| Diabetes | 7.3% |
| Heart Disease | 4.4% |
| High Blood Pressure | 24.9% |
| Asthma | 10.0% |
| COPD | 3.8% |
| Stroke | 2.2% |
| Binge Drinking | 20.1% |
| Physical Inactivity | 14.2% |
| Depression | 27.9% |
| Mental Distress | 15.6% |
| Physical Distress | 9.8% |
| Insurance Rate | 100.0% |
| Checkup Rate | 72.7% |
| Premature Death | 7,827/100K |
| Food Environment | 8.7/10 |
| Exercise Access | 99.9% |
| Healthcare Facilities | 2,303 |
| Fatal Crashes (County/yr) | 29 |
| Annual Average | 46.9°F |
| 13% below US avg | |
| January Average | 17°F (-9°C) |
| July Average | 74°F (23°C) |
| Annual Rainfall | 33.1 inches |
| 13% below US avg |
| AQI Median | 36.0 |
| Rating | Good |
| Elevation | 961 ft (293 m) |
| Area | 1.1 sq mi (2.7 km²) |
| Population Density | 496/sq mi |
| Coordinates | 45.0611°N, 93.0381°W |
| County FIPS | 27123 |
Winner: Democrat by 43.3 points
| Bachelor's Degree+ | 52.6% |
| 56% above US avg | |
| High School+ | 99.7% |
| School Test Score | 6.08 |
| RUCC Code 1 | Metro — 1 million+ |
| Population Density | 496/sq mi |
| Total Area | 1.1 sq mi |
| Broadband Access | 94.9% |
| Public Libraries | 21 |
| Healthcare Facilities | 2,303 |
| Restaurants | 1,243 |
| Retail Stores | 1,460 |
| Fatal Crashes (County/yr) | 29 |
| Avg Commute | 21.3 min |
| Drive Alone | 73.0% |
| Public Transit | 0.4% |
| Work from Home | 21.3% |