Median Income
$100,134
33% higher than US avg
Home Value
$334,600
19% higher than US avg
Bachelor's+
43.6%
29% higher than US avg
Median Rent
$963
17% lower than US avg
Obesity Rate
33.3%
4% higher than US avg
Unemployment
0.0%
100% lower than US avg
Poverty Rate
7.3%
41% lower than US avg
How Lake St. Croix Beach Compares to the U.S. Average (100% = U.S. avg)
People
Population1,106
Median Age54.1 yrs
Density1,975/mi²
Male / Female48% / 53%
Largest GroupWhite 88%
Veterans6.0%
Economy
A+
Median Income$100,134
Per Capita$64,114
Unemployment0.0%
Poverty7.3%
County GDP$1,545M
Commute24 min
Housing
A+
Home Value$334,600
Rent$963
Ownership95.2%
Zillow$509,212
Housing Units551
Rent Burden21.3%
Health
Obesity33.3%
Uninsured6.8%
Smoking12.0%
Depression25.6%
Heart Disease4.6%
Climate
Avg Temp48°F (9°C)
Rain35.1 in/yr
Elevation711 ft (217 m)
Education
A
Bachelor's+43.6%
High School+98.5%
Graduate+19.7%
School Score6.08
Community
2024 VoteR 57% / D 40%
Commute24 min
Broadband95.9%
EV Stations2
Libraries5
Is Lake St. Croix Beach a Good Place to Live?
Based on current data, Lake St. Croix Beach receives an overall livability score of 4.7 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. Lake St. Croix Beach stands out as an excellent place to live, with strong marks across most quality-of-life indicators.
Economy & Jobs
The median household income in Lake St. Croix Beach is $100,134, which is significantly higher than the national average / 33% above $75,149. This places Lake St. Croix Beach among higher-income communities. The job market is very strong with unemployment at just 0.0%. Only 7.3% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 24 minutes.
Cost of Living & Housing
The median home value in Lake St. Croix Beach is $334,600, 19% above the national median. Renters pay a median of $963 per month, below the national average / a plus for affordability. A price-to-income ratio of 3.3x indicates a reasonably affordable housing market.
Education
Educational attainment is solid, with 43.6% holding a bachelor's degree or higher, near the national average. 98.5% have completed high school. Local schools score 6.1/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
Lake St. Croix Beach experiences four distinct seasons with an average temperature of 48°F. Winters average 18°F in January while summers reach 75°F in July. Annual precipitation totals 35.1 inches, including 49.7 inches of snow.
Lake St. Croix Beach has a population of 1,106 with a density of 1,975 people per square mile, spread across 1.0 square miles. The median age is 54.1 years, 39% older than the national median of 38.9. The gender split is 52.5% female and 47.5% male. The city is predominantly White (88.1%), with 4% Asian. English is the primary language spoken at home by 96.2% of residents. 6.0% of the population are veterans. 12.6% of residents have a disability. 93.2% have health insurance coverage.
Population
1,106
Total Population
2023 Census
54.1yrs
Median Age
39% above US avg
Race & Ethnicity
Lake St. Croix Beach vs U.S. Average
Language Spoken at Home
English Only
96.2%
23% above US avg
Spanish
2.1%
84% below US avg
Social Characteristics
Lake St. Croix Beach vs U.S. Average
The median household income in Lake St. Croix Beach is $100,134, which is 33% above the national average of $75,149. Per capita income is $64,114 (above the $39,052 national figure). The average weekly wage is $913, 36% lower than the U.S. average. The unemployment rate is 0.0% (below the 3.6% US average). 7.3% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 1,024 business establishments, including 110 restaurants. The cost of living index is 98.6, roughly in line with the national average. Workers commute an average of 24 minutes. 7.6% of workers work from home (below the 15.2% national rate).
Income: Lake St. Croix Beach vs U.S.
Income
| Median HH Income | $100,134 |
| 33% above US avg |
| Per Capita Income | $64,114 |
| Avg Weekly Wage | $913 |
| IRS Avg AGI | $86,110 |
| Gini Index | 0.400 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.0% |
| 100% below US avg |
| Poverty Rate | 7.3% |
| 41% below US avg |
| Establishments (County) | 1,024 |
| County GDP | $1,545M |
Business (County)
| Restaurants | 110 |
| Healthcare | 78 |
| Retail | 97 |
| Manufacturing | 50 |
Tax & Cost of Living
| Property Tax (IRS) | $5,822 |
| 66% above US avg |
| Cost of Living | 98.60 (100=avg) |
| Effective Tax Rate | 1.74% |
Commute & Transportation
| Commute Time | 24.4 min |
| Drive Alone | 81.7% |
| Public Transit | 0.0% |
| Work from Home | 7.6% |
The median home value in Lake St. Croix Beach is $334,600, 19% above the national median of $281,900. Zillow estimates the typical home value at $509,212, higher than the Census estimate. Monthly rent averages $963 (17% below the national average of $1,163). Fair market rent ranges from $899 for a one-bedroom to $1,125 for a two-bedroom apartment. 95.2% of housing units are owner-occupied (above the 65.4% national rate). There are 551 total housing units in the city. The median year a home was built is 1968. The average annual property tax is $5,822 (higher than the $3,500 national average). 21.3% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 3.3x.
Home Values
| Census Median | $334,600 |
| 19% above US avg |
| Zillow ZHVI | $509,212 |
Rental Costs
| Census Median Rent | $963 |
| 17% below US avg |
| Rent Burden | 21.3% |
HUD Fair Market Rent
| Studio | $809 |
| 1 Bedroom | $899 |
| 2 Bedrooms | $1,125 |
| 3 Bedrooms | $1,483 |
| 4 Bedrooms | $1,698 |
Ownership & Property
| Homeownership | 95.2% |
| Owner-Occupied | 95.2% |
| Renter-Occupied | 4.8% |
| Housing Units | 551 |
| Median Year Built | 1968 |
Property Tax
| Avg Tax (IRS) | $5,822 |
| 66% above US avg |
| Effective Rate | 1.74% |
In Lake St. Croix Beach, 33.3% of adults are obese, above the national rate of 32.1%. 8.5% have diabetes (below the 10.5% national rate). Heart disease affects 4.6% of residents, below the national average. 26.1% have high blood pressure. 12.0% are current smokers. 19.1% report binge drinking. 18.0% are physically inactive, below the national average. 25.6% report depression (above the 20.0% national average). 15.1% experience frequent mental distress. 6.8% of residents lack health insurance (below the 8.6% national rate). The primary care physician ratio is 1:2,662. The dentist ratio is 1:2,363. 73.5% of residents have access to exercise opportunities. The food environment index is 9.1 out of 10.
Health Metrics: Lake St. Croix Beach vs U.S. Average (%)
Chronic Conditions
| Obesity | 33.3% |
| 4% above US avg |
| Diabetes | 8.5% |
| Heart Disease | 4.6% |
| High Blood Pressure | 26.1% |
| Asthma | 9.7% |
| COPD | 4.2% |
| Cancer | 7.6% |
| Stroke | 2.4% |
Behaviors & Mental Health
| Smoking | 12.0% |
| 14% below US avg |
| Binge Drinking | 19.1% |
| Physical Inactivity | 18.0% |
| Depression | 25.6% |
| Mental Distress | 15.1% |
| Physical Distress | 9.8% |
| Short Sleep | 25.9% |
Healthcare Access
| Insurance Rate | 93.2% |
| Uninsured | 6.8% |
| 21% below US avg |
| Primary Care | 1:2,662 |
| Dentists | 1:2,363 |
| Mental Health | 1:1,229 |
| Checkup Rate | 73.2% |
| Dental Visits | 73.5% |
| Premature Death | 5,140/100K |
Food & Exercise
| Food Environment | 9.1/10 |
| Exercise Access | 73.5% |
| Healthcare Facilities | 78 |
Lake St. Croix Beach experiences four distinct seasons with an average annual temperature of 48°F (9°C). Winters average 18°F in January while summers reach 75°F in July. Annual precipitation totals 35.1 inches. The area receives 49.7 inches of snow annually, making winter weather a significant factor for residents. The city sits at an elevation of 711 feet.
Temperature
18°F Jan (-8°C)
75°F Jul (24°C)
| Annual Average | 48.4°F |
| 10% below US avg |
| January Average | 18°F (-8°C) |
| July Average | 75°F (24°C) |
Geography
| Elevation | 711 ft (217 m) |
| Area | 1.0 sq mi (2.5 km²) |
| Population Density | 1,975/sq mi |
| Coordinates | 44.9245°N, 92.7661°W |
| Timezone | America/Chicago |
| County | Pierce County County |
| Nearest Airport | New Richmond Regional (RNH) 19 miles away |
Precipitation & Snow
Annual Rainfall
35.1"
8% below US avg
Wettest Month (Jun)
5.36"
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 42.3 / 100 |
| Social Vulnerability | 10.6 / 100 |
| Community Resilience | 53.8 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Moderate |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Low |
| Lightning |
Relatively Low |
| Ice Storm |
Very Low |
| Drought |
Relatively Low |
| Cold Wave |
Relatively Low |
| Landslide |
Relatively Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
1 earthquake (M2.5+) within 150 km since 1990.
Strongest: M2.8. Most recent: M2.8 on Apr 25, 2017.
| Apr 25, 2017 |
Near Mankato, Minnesota |
M2.8 |
128 km |
Source: USGS (M2.5+, 1990-2025)
Tornado History
473 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 58 fatalities, 1,234 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jun 4, 1958 |
EF5 |
35 km |
21 |
| Jul 3, 1983 |
EF4 |
55 km |
0 |
| Jul 30, 1977 |
EF4 |
99 km |
0 |
| May 6, 1965 |
EF4 |
42 km |
3 |
| May 6, 1965 |
EF4 |
79 km |
3 |
| May 6, 1965 |
EF4 |
49 km |
6 |
| May 6, 1965 |
EF4 |
61 km |
0 |
| May 21, 1957 |
EF4 |
73 km |
0 |
| Sep 24, 2019 |
EF3 |
85 km |
0 |
| May 16, 2017 |
EF3 |
60 km |
1 |
| May 25, 2008 |
EF3 |
36 km |
1 |
| Jun 18, 2001 |
EF3 |
96 km |
2 |
| May 15, 1998 |
EF3 |
84 km |
0 |
| Jul 27, 1987 |
EF3 |
40 km |
0 |
| Jul 23, 1987 |
EF3 |
61 km |
0 |
| Apr 26, 1984 |
EF3 |
38 km |
1 |
| Jun 14, 1981 |
EF3 |
41 km |
1 |
| Jul 15, 1980 |
EF3 |
99 km |
1 |
| Jul 30, 1977 |
EF3 |
51 km |
0 |
| May 24, 1958 |
EF3 |
29 km |
0 |
Source: NOAA SPC (EF0+, 1950-2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: UNITS 37 38 39 A (4,879 ac, 2003).
| Year |
Name |
Acres |
Distance |
| 2003 |
UNITS 37 38 39 A |
4,879 |
94 km |
| 1998 |
UNITS 1617 |
4,649 |
99 km |
| 2005 |
RX HFR 05 |
4,253 |
98 km |
| 2007 |
WUI 07 - UNIT 36 |
4,025 |
93 km |
| 2000 |
UNIT 25 |
3,412 |
94 km |
| 2009 |
BU11 |
3,242 |
99 km |
| 1997 |
BIG |
2,987 |
96 km |
| 2009 |
UNNAMED |
2,904 |
46 km |
| 2003 |
UNITS 34 33 W |
2,637 |
95 km |
| 1992 |
SHARPTAIL |
2,288 |
94 km |
| 2010 |
WUI 10 UNIT D |
2,042 |
94 km |
| 1996 |
UNNAMED |
1,906 |
93 km |
| 2000 |
UNNAMED |
1,850 |
94 km |
| 2009 |
UNIT 23 24 26 |
1,644 |
96 km |
| 1995 |
ANTLER |
1,603 |
94 km |
| 2004 |
WUI UNIT 16 |
1,592 |
100 km |
| 1995 |
UNIT 16 |
1,570 |
100 km |
| 1992 |
UNIT 25 |
1,460 |
95 km |
| 1987 |
UNNAMED |
1,280 |
94 km |
| 2009 |
HFR 08 - UNIT 20 |
1,168 |
98 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
18°F (-8°C) |
1.0 in |
Coldest |
| February |
23°F (-5°C) |
0.9 in |
Driest |
| March |
35°F (2°C) |
1.5 in |
|
| April |
49°F (9°C) |
3.1 in |
|
| May |
61°F (16°C) |
4.2 in |
|
| June |
71°F (21°C) |
5.4 in |
Wettest |
| July |
75°F (24°C) |
4.5 in |
Warmest |
| August |
73°F (23°C) |
5.3 in |
|
| September |
65°F (19°C) |
3.2 in |
|
| October |
52°F (11°C) |
3.2 in |
|
| November |
37°F (3°C) |
1.7 in |
|
| December |
24°F (-5°C) |
1.2 in |
|
Lake St. Croix Beach has a seasonal temperature swing of 57°F / from 18°F in January to 75°F in July. Total annual precipitation is 35.1 inches, with June being the wettest month (5.4") and February the driest (0.9").
Average costs for common services in Lake St. Croix Beach. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$247 ($148-$394) |
| Specialist Visit |
$345 ($197-$542) |
| Urgent Care Visit |
$197 ($99-$345) |
| Emergency Room Visit |
$2,169 ($789-$4,930) |
| Dental Cleaning |
$128 ($74-$197) |
| Dental Filling |
$247 ($148-$394) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$44 ($25-$74) |
| Oil Change (Synthetic) |
$74 ($49-$118) |
| Brake Pad Replacement |
$296 ($148-$493) |
| Tire Rotation |
$39 ($20-$74) |
| New Tires (Set of 4) |
$592 ($394-$986) |
| Battery Replacement |
$197 ($99-$345) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$99 ($59-$148) |
| Electrician (Per Hour) |
$89 ($49-$138) |
| HVAC Repair |
$394 ($148-$789) |
| HVAC System Install |
$6,902 ($3,944-$11,832) |
| Roof Repair |
$986 ($394-$1,972) |
| Roof Replacement |
$8,874 ($5,423-$14,790) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,479 ($493-$3,451) |
| Divorce (Contested) |
$14,790 ($4,930-$29,580) |
| DUI Defense |
$4,930 ($1,972-$9,860) |
| Bankruptcy (Chapter 7) |
$1,479 ($789-$2,958) |
| Will Preparation |
$493 ($197-$986) |
| Trust Preparation |
$2,465 ($986-$4,930) |
View all 12 services
Personal Care
| Men's Haircut |
$25 ($15-$44) |
| Women's Haircut |
$54 ($30-$99) |
| Hair Coloring (Full) |
$148 ($74-$247) |
| Manicure |
$25 ($15-$44) |
| Pedicure |
$39 ($25-$64) |
| Massage (1 Hour) |
$79 ($49-$128) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.04 ($2.96-$5.42) |
| Dozen Eggs (per dozen) |
$3.45 ($2.47-$4.93) |
| Loaf of Bread |
$3.75 ($2.47-$5.42) |
| Chicken Breast (per lb) |
$4.44 ($2.96-$6.41) |
| Ground Beef (per lb) |
$5.42 ($3.94-$7.40) |
| Rice (per lb) |
$0.99 ($0.59-$1.77) |
View all 20 services
Utilities
| Electricity (Monthly) |
$138 ($79-$247) |
| Natural Gas (Monthly) |
$69 ($30-$148) |
| Water/Sewer (Monthly) |
$69 ($39-$118) |
| Internet (Monthly) |
$69 ($39-$99) |
| Cell Phone Plan (Monthly) |
$64 ($30-$99) |
| Cable TV (Monthly) |
$84 ($49-$148) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$197 ($74-$493) |
| Car Insurance (Annual) |
$1,972 ($1,183-$3,451) |
| Bus Pass (Monthly) |
$69 ($30-$128) |
| Taxi/Uber (5-Mile Ride) |
$15 ($7.89-$25) |
| Car Registration (Annual) |
$99 ($30-$247) |
| Driver's License Renewal |
$30 ($15-$74) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,183 ($592-$2,465) |
| Daycare (Toddler, Monthly) |
$986 ($493-$1,972) |
| After-School Care (Monthly) |
$394 ($197-$690) |
| Tutoring (Per Hour) |
$49 ($25-$99) |
| SAT/ACT Prep Course |
$986 ($394-$2,465) |
| Private School (K-12, Annual) |
$12,325 ($4,930-$29,580) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$59 ($30-$99) |
| Dog Vaccination (Annual) |
$99 ($49-$197) |
| Dog Grooming |
$59 ($30-$99) |
| Pet Boarding (Per Night) |
$39 ($20-$74) |
| Dog Spay/Neuter |
$296 ($148-$493) |
| Cat Spay/Neuter |
$197 ($99-$394) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $909 |
| Toddler | $823 |
| Preschool | $823 |
| Family Childcare (monthly) |
| Infant | $671 |
| Toddler | $650 |
| Preschool | $650 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Lake St. Croix Beach
What is the population of Lake St. Croix Beach?
Lake St. Croix Beach has a population of 1,106 residents and is located in Minnesota. The population density is 1,975 people per square mile, spread across 1.0 square miles. The median age of residents is 54.1 years, which is older than the national median of 38.9 years. The population is 52.5% female and 47.5% male.
Is Lake St. Croix Beach expensive to live in?
Lake St. Croix Beach has a cost of living roughly in line with the national average, with an index of 98.6 (baseline: 100). The median household income is $100,134, 33% above the national average of $75,149. The median home value is $334,600 (19% above the U.S. median). Renters pay a median of $963 per month, below the national average of $1,163. The home price-to-income ratio is 3.3x, indicating housing is reasonably affordable relative to local income levels.
What is the weather like in Lake St. Croix Beach?
Lake St. Croix Beach has a four-season climate with an average annual temperature of 48°F (9°C). Winter temperatures average 18°F in January, while summers reach an average of 75°F in July. Annual rainfall totals 35.1 inches, with 49.7 inches of snow.
How is the job market in Lake St. Croix Beach?
The job market in Lake St. Croix Beach is very strong, with unemployment at just 0.0% / well below the national rate of 3.6%. The average weekly wage is $913. There are 1,024 business establishments in the area, including 110 restaurants and food service locations. The average commute time is 24 minutes, and 7.6% of workers work from home.
How much does housing cost in Lake St. Croix Beach?
The median home value in Lake St. Croix Beach is $334,600. Zillow estimates the typical home value at $509,212. For renters, the median monthly rent is $963. Fair market rent is $899 for a 1-bedroom and $1,125 for a 2-bedroom apartment. The homeownership rate is 95.2%. The average annual property tax is $5,822.
How are the schools in Lake St. Croix Beach?
Schools in Lake St. Croix Beach score 6.1 out of 10 on standardized testing, near the national average. 43.6% of adults in Lake St. Croix Beach hold a bachelor's degree or higher, above the national average of 33.7%. 98.5% have completed high school. 19.7% hold a graduate or professional degree.
How healthy is Lake St. Croix Beach?
The obesity rate in Lake St. Croix Beach is 33.3% (above the national rate of 32.1%). 12.0% of adults are smokers. 18.0% are physically inactive. 25.6% of residents report depression. 6.8% lack health insurance (below the national rate). 73.5% of residents have access to exercise opportunities. The primary care physician ratio is 1:2,662.
What is transportation like in Lake St. Croix Beach?
The average commute in Lake St. Croix Beach is 24 minutes, shorter than the national average of 28 minutes. 81.7% of workers drive alone to work, and 7.6% work from home.
What are the demographics of Lake St. Croix Beach?
The racial and ethnic makeup of Lake St. Croix Beach is 88.1% White, 0.7% Hispanic or Latino, 4% Asian. 96.2% of residents speak only English at home. 6.0% of the population are military veterans. 12.6% of residents have a disability. 93.2% have health insurance coverage.