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Gem Lake, MN
Full City Profile · Minnesota · Ramsey County County
3.9
/5.0
B+
Good
521
Population
496/sq mi density
$146,250
Median Income
$71,195 per capita
$536,600
Home Value
$600,544 Zillow
$1,750
Median Rent
51.0% income on rent
47°F
Avg Temperature
270 sunny days/yr
125
Violent Crime/100K
2,645 property/100K
B+
Overall
3.9 / 5.0
Good overall score based on economy, affordability, safety and education
A+
Economy
5.0 / 5.0
$146,250 median income, 0.3% unemployment
A+
Affordability
4.6 / 5.0
$536,600 home value, $1,750/mo rent
F
Safety
1.0 / 5.0
125 violent crimes/100K
A+
Education
5.0 / 5.0
52.6% bachelor's degree or higher
Housing Overview
Median Home Value
$536,600
90% above
US avg: $281,900
Median Rent
$1,750/mo
50% above
US avg: $1,163/mo
Homeownership Rate
90.4%
38% above US avg (65.4%)
Total Housing Units
175
Median year built: 1977
Home Value by Source
Census Median
$536,600
Zillow (ZHVI)
$600,544
Census ACS, Zillow ZHVI, Redfin median sale price
Ownership vs. Renting
90.4%
Owner-Occupied
9.6%
Renter-Occupied
US avg: 65.4% owner-occupied
Fair Market Rents (HUD FY2026)
Studio
$809/mo
1 Bedroom
$899/mo
2 Bedroom
$1,125/mo
3 Bedroom
$1,483/mo
4 Bedroom
$1,698/mo
Census median rent:
$1,750/mo
Affordability & Housing Stock
Rent Burden
51.0%
of renters spending 30%+ of income on housing
65% above US avg (31.0%)
Median Year Built
1977
Average age of housing stock: 49 years
Homeownership Rate
90.4%
Complete Housing Data
Home Values
| Census Median Value | $536,600 |
| Zillow Home Value (ZHVI) | $600,544 |
Rent
| Census Median Rent | $1,750 |
| FMR Studio | $809 |
| FMR 1-Bedroom | $899 |
| FMR 2-Bedroom | $1,125 |
| FMR 3-Bedroom | $1,483 |
| FMR 4-Bedroom | $1,698 |
Market
Ownership & Stock
| Owner-Occupied | 90.4% |
| Renter-Occupied | 9.6% |
| Homeownership Rate | 90.4% |
| Total Housing Units | 175 |
| Median Year Built | 1977 |
| Rent Burden | 51.0% |