Median Income
$75,341
0% lower than US avg
Home Value
$278,300
1% lower than US avg
Violent Crime
87/100K
77% lower than US avg
Bachelor's+
36.5%
8% higher than US avg
Median Rent
$817
30% lower than US avg
Obesity Rate
40.2%
25% higher than US avg
Unemployment
1.3%
64% lower than US avg
Poverty Rate
2.4%
81% lower than US avg
How Lake Nebagamon Compares to the U.S. Average (100% = U.S. avg)
People
Population891
Median Age51.9 yrs
Density71/mi²
Male / Female51% / 49%
Largest GroupWhite 96%
Veterans12.5%
Economy
A+
Median Income$75,341
Per Capita$42,483
Unemployment1.3%
Poverty2.4%
County GDP$2,402M
Commute37 min
Housing
A+
Home Value$278,300
Rent$817
Ownership84.7%
Zillow$330,717
Housing Units752
Rent Burden33.7%
Crime
F
Violent87/100K
Property874/100K
Health
Obesity40.2%
Uninsured7.0%
Smoking14.0%
Depression25.3%
Heart Disease5.4%
Climate
Avg Temp43°F (6°C)
AQI38 (Good)
Sunny Days253/yr
Elevation1,154 ft (352 m)
Education
B+
Bachelor's+36.5%
High School+94.0%
Graduate+15.8%
School Score5.74
Community
2024 VoteR 47% / D 52%
Commute37 min
Broadband93.6%
EV Stations1
Libraries3
Is Lake Nebagamon a Good Place to Live?
Based on current data, Lake Nebagamon receives an overall livability score of 3.5 out of 5.0, earning a grade of B+. Key strengths include low unemployment, low crime rates, abundant sunshine, a low poverty rate. Areas to be aware of include long commute times, high obesity rates. Lake Nebagamon offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Lake Nebagamon is $75,341, roughly in line with the national average of $75,149. The job market is very strong with unemployment at just 1.3%. Only 2.4% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 37 minutes, longer than the typical American commute of 28 minutes.
Cost of Living & Housing
The median home value in Lake Nebagamon is $278,300, roughly aligned with the national median of $281,900. Renters pay a median of $817 per month, below the national average / a plus for affordability. A price-to-income ratio of 3.7x indicates a reasonably affordable housing market.
Safety & Crime
Lake Nebagamon is a very safe community with a violent crime rate of 87 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 874 per 100,000, 55% below the national average.
Education
Educational attainment is solid, with 36.5% holding a bachelor's degree or higher, near the national average. 94.0% have completed high school. Area schools have an average test score of 5.7/10.
Climate & Weather
Lake Nebagamon has a cool climate with an average annual temperature of 43°F. Winters average 12°F in January while summers reach 69°F in July. With 253 sunny days per year, residents enjoy well above the national average of sunshine. Air quality is rated Good with a median AQI of 38.
Lake Nebagamon has a population of 891 with a density of 71 people per square mile, spread across 14.3 square miles. The median age is 51.9 years, 33% older than the national median of 38.9. The gender split is 49.3% female and 50.7% male. The city is predominantly White (95.8%). English is the primary language spoken at home by 99.7% of residents. 12.5% of the population are veterans, above the national rate of 6.0%. 18.4% of residents have a disability (above the 13.0% national average). 94.7% have health insurance coverage.
Population
51.9yrs
Median Age
33% above US avg
Race & Ethnicity
Lake Nebagamon vs U.S. Average
Language Spoken at Home
English Only
99.7%
27% above US avg
Spanish
0.3%
98% below US avg
Social Characteristics
Lake Nebagamon vs U.S. Average
The median household income in Lake Nebagamon is $75,341, which is 0% below the national average of $75,149. Per capita income is $42,483. The average weekly wage is $1,016, 29% lower than the U.S. average. The unemployment rate is 1.3% (below the 3.6% US average). 2.4% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 1,215 business establishments, including 156 restaurants. The cost of living index is 94.1, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 37 minutes (longer than the 28-minute US average). 8.2% of workers work from home (below the 15.2% national rate).
Income: Lake Nebagamon vs U.S.
Income
| Median HH Income | $75,341 |
| 0% below US avg |
| Per Capita Income | $42,483 |
| Avg Weekly Wage | $1,016 |
| IRS Avg AGI | $67,532 |
| Gini Index | 0.421 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 1.3% |
| 64% below US avg |
| Poverty Rate | 2.4% |
| 81% below US avg |
| Establishments (County) | 1,215 |
| County GDP | $2,402M |
Business (County)
| Restaurants | 156 |
| Healthcare | 119 |
| Retail | 151 |
| Manufacturing | 54 |
Tax & Cost of Living
| Property Tax (IRS) | $4,924 |
| 41% above US avg |
| Cost of Living | 94.10 (100=avg) |
| Effective Tax Rate | 1.77% |
Commute & Transportation
| Commute Time | 36.6 min |
| Drive Alone | 83.9% |
| Public Transit | 0.0% |
| Work from Home | 8.2% |
The median home value in Lake Nebagamon is $278,300, 1% below the national median of $281,900. Zillow estimates the typical home value at $330,717, higher than the Census estimate. Monthly rent averages $817 (30% below the national average of $1,163). Fair market rent ranges from $872 for a one-bedroom to $1,097 for a two-bedroom apartment. 84.7% of housing units are owner-occupied (above the 65.4% national rate). There are 752 total housing units in the city. The median year a home was built is 1983. The average annual property tax is $4,924 (higher than the $3,500 national average). 33.7% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 3.7x.
Home Values
| Census Median | $278,300 |
| 1% below US avg |
| Zillow ZHVI | $330,717 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $817 |
| 30% below US avg |
| Rent Burden | 33.7% |
HUD Fair Market Rent
| Studio | $797 |
| 1 Bedroom | $872 |
| 2 Bedrooms | $1,097 |
| 3 Bedrooms | $1,405 |
| 4 Bedrooms | $1,572 |
Ownership & Property
| Homeownership | 84.7% |
| Owner-Occupied | 84.7% |
| Renter-Occupied | 15.3% |
| Housing Units | 752 |
| Median Year Built | 1983 |
Property Tax
| Avg Tax (IRS) | $4,924 |
| 41% above US avg |
| Effective Rate | 1.77% |
In Lake Nebagamon, 40.2% of adults are obese, above the national rate of 32.1%. 8.9% have diabetes. Heart disease affects 5.4% of residents. 29.6% have high blood pressure. 14.0% are current smokers. 21.4% report binge drinking. 24.6% are physically inactive. 25.3% report depression (above the 20.0% national average). 17.3% experience frequent mental distress. 7.0% of residents lack health insurance. The primary care physician ratio is 1:4,018. The dentist ratio is 1:1,635. 81.0% of residents have access to exercise opportunities. The food environment index is 7.9 out of 10.
Health Metrics: Lake Nebagamon vs U.S. Average (%)
Chronic Conditions
| Obesity | 40.2% |
| 25% above US avg |
| Diabetes | 8.9% |
| Heart Disease | 5.4% |
| High Blood Pressure | 29.6% |
| Asthma | 11.1% |
| COPD | 5.4% |
| Cancer | 7.3% |
| Stroke | 2.7% |
Behaviors & Mental Health
| Smoking | 14.0% |
| 0% below US avg |
| Binge Drinking | 21.4% |
| Physical Inactivity | 24.6% |
| Depression | 25.3% |
| Mental Distress | 17.3% |
| Physical Distress | 12.1% |
| Short Sleep | 34.5% |
Healthcare Access
| Insurance Rate | 94.7% |
| Uninsured | 7.0% |
| 19% below US avg |
| Primary Care | 1:4,018 |
| Dentists | 1:1,635 |
| Mental Health | 1:546 |
| Checkup Rate | 75.1% |
| Dental Visits | 68.2% |
| Premature Death | 8,763/100K |
Food & Exercise
| Food Environment | 7.9/10 |
| Exercise Access | 81.0% |
| Healthcare Facilities | 119 |
Lake Nebagamon has a violent crime rate of 87 per 100,000 residents, 77% below the national average of 380. Property crime stands at 874 per 100,000, 55% below the U.S. average. The county recorded 6 fatal traffic crashes. Overall, Lake Nebagamon receives a safety grade of F.
Crime Rates: Lake Nebagamon vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 87.4/100K |
| 77% below US avg |
| |
Property Crime
| Total Property | 874.1/100K |
| 55% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 6 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Lake Nebagamon has a cool climate with an average annual temperature of 43°F (6°C). Winters average 12°F in January while summers reach 69°F in July. The area gets 253 sunny days per year, above the national average. Air quality is rated Good with a median AQI of 38. The city sits at an elevation of 1,154 feet.
Temperature
12°F Jan (-11°C)
69°F Jul (21°C)
| Annual Average | 42.5°F |
| 21% below US avg |
| January Average | 12°F (-11°C) |
| July Average | 69°F (21°C) |
| Sunny Days | 253 days/yr |
Geography
| Elevation | 1,154 ft (352 m) |
| Area | 14.3 sq mi (37.0 km²) |
| Population Density | 71/sq mi |
| Coordinates | 46.4977°N, 91.7044°W |
| Timezone | America/Chicago |
| County | Douglas County County |
| Nearest Airport | Duluth International (DLH)
33 miles away |
Precipitation & Snow
Wettest Month (Aug)
4.37"
Air Quality
| AQI Median | 38.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 62.4 / 100 |
| Social Vulnerability | 25.6 / 100 |
| Community Resilience | 44.4 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Relatively Low |
| Winter Weather |
Relatively Low |
| Lightning |
Relatively Moderate |
| Ice Storm |
Very Low |
| Drought |
Very Low |
| Cold Wave |
Relatively High |
| Landslide |
Very Low |
| Coastal Flood |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Tornado History
69 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF3. Total: 2 fatalities, 14 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Aug 6, 1969 |
EF3 |
70 km |
2 |
| Jul 1, 2011 |
EF2 |
24 km |
0 |
| Jul 27, 2010 |
EF2 |
88 km |
0 |
| Sep 3, 1980 |
EF2 |
16 km |
0 |
| Jul 7, 1970 |
EF2 |
83 km |
0 |
| Jun 30, 1968 |
EF2 |
28 km |
0 |
| May 7, 1965 |
EF2 |
87 km |
0 |
| Jul 4, 1957 |
EF2 |
100 km |
0 |
| Sep 19, 2024 |
EF1 |
89 km |
0 |
| Jul 11, 2022 |
EF1 |
57 km |
0 |
| Aug 14, 2020 |
EF1 |
87 km |
0 |
| Jul 18, 2020 |
EF1 |
12 km |
0 |
| Jul 18, 2020 |
EF1 |
61 km |
0 |
| Jul 18, 2019 |
EF1 |
22 km |
0 |
| Jun 28, 2017 |
EF1 |
99 km |
0 |
| May 22, 2011 |
EF1 |
99 km |
0 |
| Jun 11, 2005 |
EF1 |
94 km |
0 |
| Jun 27, 1994 |
EF1 |
38 km |
0 |
| Jun 27, 1994 |
EF1 |
49 km |
0 |
| Aug 9, 1992 |
EF1 |
43 km |
0 |
Source: NOAA SPC (EF0+, 1950-2024)
Wildfire History
18 wildfires (100+ acres) within 100 km.
Largest: GERMANN ROAD FIRE (6,751 ac, 2013).
| Year |
Name |
Acres |
Distance |
| 2013 |
GERMANN ROAD FIRE |
6,751 |
20 km |
| 2019 |
NW SANDS UNITS I/F/C/A |
3,386 |
36 km |
| 2016 |
UNNAMED |
2,682 |
35 km |
| 2013 |
UNNAMED |
2,240 |
36 km |
| 2024 |
RX-86_FY23 |
2,187 |
96 km |
| 2014 |
UNNAMED |
2,116 |
38 km |
| 2015 |
UNNAMED |
1,407 |
37 km |
| 2015 |
UNNAMED |
1,361 |
34 km |
| 2021 |
NW SANDS - BLOCK E RX |
1,361 |
38 km |
| 2007 |
PIONEER FIRE |
1,072 |
50 km |
| 2018 |
UNNAMED |
961 |
34 km |
| 2024 |
NW SANDS BLOCK J RX |
911 |
36 km |
| 2024 |
NW SANDS BLOCK B RX |
844 |
34 km |
| 2013 |
CRANBERRY FIRE |
779 |
100 km |
| 2018 |
NW SANDS BLOCK C |
771 |
37 km |
| 2022 |
BRINKS 8C - SOUTH RX |
725 |
48 km |
| 2007 |
WOODBURY |
673 |
96 km |
| 2007 |
BN COMPLEX 2 |
547 |
39 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
12°F (-11°C) |
1.1 in |
Coldest |
| February |
15°F (-10°C) |
0.8 in |
Driest |
| March |
26°F (-3°C) |
1.7 in |
|
| April |
40°F (4°C) |
2.2 in |
|
| May |
53°F (12°C) |
3.3 in |
|
| June |
62°F (16°C) |
3.7 in |
|
| July |
69°F (21°C) |
4.0 in |
Warmest |
| August |
65°F (18°C) |
4.4 in |
Wettest |
| September |
56°F (14°C) |
4.1 in |
|
| October |
45°F (7°C) |
2.8 in |
|
| November |
29°F (-2°C) |
2.0 in |
|
| December |
14°F (-10°C) |
1.3 in |
|
Lake Nebagamon has a seasonal temperature swing of 57°F / from 12°F in January to 69°F in July. Total annual precipitation is 31.4 inches, with August being the wettest month (4.4") and February the driest (0.8").
Average costs for common services in Lake Nebagamon. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$235 ($141-$376) |
| Specialist Visit |
$329 ($188-$518) |
| Urgent Care Visit |
$188 ($94-$329) |
| Emergency Room Visit |
$2,070 ($753-$4,705) |
| Dental Cleaning |
$122 ($71-$188) |
| Dental Filling |
$235 ($141-$376) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$42 ($24-$71) |
| Oil Change (Synthetic) |
$71 ($47-$113) |
| Brake Pad Replacement |
$282 ($141-$471) |
| Tire Rotation |
$38 ($19-$71) |
| New Tires (Set of 4) |
$565 ($376-$941) |
| Battery Replacement |
$188 ($94-$329) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$94 ($56-$141) |
| Electrician (Per Hour) |
$85 ($47-$132) |
| HVAC Repair |
$376 ($141-$753) |
| HVAC System Install |
$6,587 ($3,764-$11,292) |
| Roof Repair |
$941 ($376-$1,882) |
| Roof Replacement |
$8,469 ($5,176-$14,115) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,412 ($471-$3,294) |
| Divorce (Contested) |
$14,115 ($4,705-$28,230) |
| DUI Defense |
$4,705 ($1,882-$9,410) |
| Bankruptcy (Chapter 7) |
$1,412 ($753-$2,823) |
| Will Preparation |
$471 ($188-$941) |
| Trust Preparation |
$2,353 ($941-$4,705) |
View all 12 services
Personal Care
| Men's Haircut |
$24 ($14-$42) |
| Women's Haircut |
$52 ($28-$94) |
| Hair Coloring (Full) |
$141 ($71-$235) |
| Manicure |
$24 ($14-$42) |
| Pedicure |
$38 ($24-$61) |
| Massage (1 Hour) |
$75 ($47-$122) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.86 ($2.82-$5.18) |
| Dozen Eggs (per dozen) |
$3.29 ($2.35-$4.71) |
| Loaf of Bread |
$3.58 ($2.35-$5.18) |
| Chicken Breast (per lb) |
$4.23 ($2.82-$6.12) |
| Ground Beef (per lb) |
$5.18 ($3.76-$7.06) |
| Rice (per lb) |
$0.94 ($0.56-$1.69) |
View all 20 services
Utilities
| Electricity (Monthly) |
$132 ($75-$235) |
| Natural Gas (Monthly) |
$66 ($28-$141) |
| Water/Sewer (Monthly) |
$66 ($38-$113) |
| Internet (Monthly) |
$66 ($38-$94) |
| Cell Phone Plan (Monthly) |
$61 ($28-$94) |
| Cable TV (Monthly) |
$80 ($47-$141) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$188 ($71-$471) |
| Car Insurance (Annual) |
$1,882 ($1,129-$3,294) |
| Bus Pass (Monthly) |
$66 ($28-$122) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.53-$24) |
| Car Registration (Annual) |
$94 ($28-$235) |
| Driver's License Renewal |
$28 ($14-$71) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,129 ($565-$2,353) |
| Daycare (Toddler, Monthly) |
$941 ($471-$1,882) |
| After-School Care (Monthly) |
$376 ($188-$659) |
| Tutoring (Per Hour) |
$47 ($24-$94) |
| SAT/ACT Prep Course |
$941 ($376-$2,353) |
| Private School (K-12, Annual) |
$11,763 ($4,705-$28,230) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$56 ($28-$94) |
| Dog Vaccination (Annual) |
$94 ($47-$188) |
| Dog Grooming |
$56 ($28-$94) |
| Pet Boarding (Per Night) |
$38 ($19-$71) |
| Dog Spay/Neuter |
$282 ($141-$471) |
| Cat Spay/Neuter |
$188 ($94-$376) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $1,022 |
| Toddler | $909 |
| Preschool | $909 |
| Family Childcare (monthly) |
| Infant | $758 |
| Toddler | $736 |
| Preschool | $736 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Lake Nebagamon
What is the population of Lake Nebagamon?
Lake Nebagamon has a population of 891 residents and is located in Wisconsin. The population density is 71 people per square mile, spread across 14.3 square miles. The median age of residents is 51.9 years, which is older than the national median of 38.9 years. The population is 49.3% female and 50.7% male.
Is Lake Nebagamon expensive to live in?
Lake Nebagamon is more affordable than the national average, with a cost of living index of 94.1 / below the baseline of 100. The median household income is $75,341, 0% below the national average of $75,149. The median home value is $278,300 (1% below the U.S. median). Renters pay a median of $817 per month, below the national average of $1,163. The home price-to-income ratio is 3.7x, indicating housing is reasonably affordable relative to local income levels.
Is Lake Nebagamon safe?
Lake Nebagamon is considered a very safe city with a violent crime rate of 87 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 874 per 100,000 (below the national average). Overall, Lake Nebagamon receives a safety grade of F based on combined crime data.
What is the weather like in Lake Nebagamon?
Lake Nebagamon has a cool climate with an average annual temperature of 43°F (6°C). Winter temperatures average 12°F in January, while summers reach an average of 69°F in July. The area receives 253 sunny days per year, well above the national average of 205. Air quality is rated Good with a median Air Quality Index (AQI) of 38.
How is the job market in Lake Nebagamon?
The job market in Lake Nebagamon is very strong, with unemployment at just 1.3% / well below the national rate of 3.6%. The average weekly wage is $1,016. There are 1,215 business establishments in the area, including 156 restaurants and food service locations. The average commute time is 37 minutes, and 8.2% of workers work from home.
How much does housing cost in Lake Nebagamon?
The median home value in Lake Nebagamon is $278,300. Zillow estimates the typical home value at $330,717. For renters, the median monthly rent is $817. Fair market rent is $872 for a 1-bedroom and $1,097 for a 2-bedroom apartment. The homeownership rate is 84.7%. The average annual property tax is $4,924.
How are the schools in Lake Nebagamon?
Schools in Lake Nebagamon score 5.7 out of 10 on standardized testing, near the national average. 36.5% of adults in Lake Nebagamon hold a bachelor's degree or higher, above the national average of 33.7%. 94.0% have completed high school. 15.8% hold a graduate or professional degree.
How healthy is Lake Nebagamon?
The obesity rate in Lake Nebagamon is 40.2% (above the national rate of 32.1%). 14.0% of adults are smokers. 24.6% are physically inactive. 25.3% of residents report depression. 7.0% lack health insurance (below the national rate). 81.0% of residents have access to exercise opportunities. The primary care physician ratio is 1:4,018.
What is transportation like in Lake Nebagamon?
The average commute in Lake Nebagamon is 37 minutes, longer than the national average of 28 minutes. 83.9% of workers drive alone to work, and 8.2% work from home.
What are the demographics of Lake Nebagamon?
The racial and ethnic makeup of Lake Nebagamon is 95.8% White, 1% Hispanic or Latino. 99.7% of residents speak only English at home. 12.5% of the population are military veterans. 18.4% of residents have a disability. 94.7% have health insurance coverage.
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