Minnesota
Silver Bay is a small town in Minnesota with a population of 1,790. Residents earn $70,870 per year, which is 6% below the national average.
Based on current data, Silver Bay receives an overall livability score of 3.2 out of 5.0, earning a grade of B. Key strengths include low unemployment, low crime rates, affordable housing, a low poverty rate. Silver Bay offers a solid quality of life with a good balance of affordability, safety, and opportunity.
The median household income in Silver Bay is $70,870, roughly in line with the national average of $75,149. The job market is very strong with unemployment at just 1.2%. Only 3.2% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 18 minutes, shorter than most U.S. cities.
The median home value in Silver Bay is $150,700, 47% below the national median — offering relatively affordable homeownership. Renters pay a median of $1,044 per month, below the national average — a plus for affordability. At just 2.1x median income, home prices are very affordable relative to local earnings.
Silver Bay is a very safe community with a violent crime rate of 108 per 100,000 residents — well below the national average of 380. Property crime occurs at a rate of 271 per 100,000, 86% below the national average.
19.6% of residents hold a bachelor's degree, below the national average of 33.7%. 94.6% have completed high school. Local schools score 6.1/10 in standardized testing, reflecting strong academic performance.
Silver Bay has a cool climate with an average annual temperature of 39°F. Winters average 10°F in January while summers reach 65°F in July. Annual precipitation totals 32.5 inches, including 94.2 inches of snow. Air quality is rated Good with a median AQI of 36.
| English Only | 97.7% |
| 24% above US avg | |
| Spanish | 2.3% |
| 83% below US avg |
| Median HH Income | $70,870 |
| 6% below US avg | |
| Per Capita Income | $42,557 |
| Avg Weekly Wage | $1,047 |
| IRS Avg AGI | $69,182 |
| Unemployment | 1.2% |
| 67% below US avg | |
| Poverty Rate | 3.2% |
| 74% below US avg | |
| Establishments (County) | 378 |
| County GDP | $565M |
| Restaurants | 71 |
| Healthcare | 32 |
| Retail | 53 |
| Manufacturing | 19 |
| Property Tax (IRS) | $4,145 |
| 18% above US avg | |
| Effective Tax Rate | 2.75% |
| Commute Time | 18.0 min |
| Work from Home | 8.4% |
| Census Median | $150,700 |
| 47% below US avg | |
| Zillow ZHVI | $162,839 |
| Census Median Rent | $1,044 |
| 10% below US avg |
| Studio | $809 |
| 1 Bedroom | $899 |
| 2 Bedrooms | $1,125 |
| 3 Bedrooms | $1,483 |
| 4 Bedrooms | $1,698 |
| Owner-Occupied | 80.8% |
| Avg Tax (IRS) | $4,145 |
| 18% above US avg | |
| Effective Rate | 2.75% |
| Obesity | 35.3% |
| 10% above US avg | |
| Diabetes | 8.6% |
| Heart Disease | 5.4% |
| High Blood Pressure | 26.7% |
| Asthma | 10.2% |
| COPD | 5.3% |
| Stroke | 2.8% |
| Binge Drinking | 21.3% |
| Physical Inactivity | 22.5% |
| Depression | 25.7% |
| Mental Distress | 17.3% |
| Physical Distress | 11.6% |
| Insurance Rate | 95.9% |
| Checkup Rate | 70.6% |
| Premature Death | 4,750/100K |
| Food Environment | 8.7/10 |
| Exercise Access | 80.3% |
| Healthcare Facilities | 32 |
| Total Violent | 108.2/100K |
| 72% below US avg | |
| Murder | 0.0/100K |
| 100% below US avg | |
| Rape | 54.1/100K |
| Robbery | 0.0/100K |
| Assault | 54.1/100K |
| Total Property | 270.6/100K |
| 86% below US avg | |
| Burglary | 108.2/100K |
| Theft | 162.3/100K |
| Vehicle Theft | 0.0/100K |
| Arson | 0.0/100K |
| Fatal Crashes (County/yr) | 1 |
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
| Annual Average | 39.0°F |
| 28% below US avg | |
| January Average | 10°F (-12°C) |
| July Average | 65°F (19°C) |
| Annual Rainfall | 32.5 inches |
| 14% below US avg | |
| Snowfall | 94.2 inches/yr |
| AQI Median | 36.0 |
| Rating | Good |
| Elevation | 944 ft (288 m) |
| Area | 7.6 sq mi (19.8 km²) |
| Population Density | 235/sq mi |
| Coordinates | 47.2933°N, 91.2768°W |
| County FIPS | 27075 |
Winner: Democrat by 3.9 points
| Bachelor's Degree+ | 19.6% |
| 42% below US avg | |
| High School+ | 94.6% |
| School Test Score | 6.08 |
| RUCC Code 8 | Nonmetro — Rural, adjacent |
| Population Density | 235/sq mi |
| Total Area | 7.6 sq mi |
| EV Charging Stations | 1 |
| Alt Fuel Stations | 1 |
| Public Libraries | 2 |
| Healthcare Facilities | 32 |
| Restaurants | 71 |
| Retail Stores | 53 |
| Fatal Crashes (County/yr) | 1 |
| Avg Commute | 18.0 min |
| Work from Home | 8.4% |