Silver Bay, MN
Full City Profile · Minnesota · Lake County County
3.2
/5.0
B
Good
1,790
Population
235/sq mi density
$70,870
Median Income
$42,557 per capita
$150,700
Home Value
$167,959 Zillow
$1,044
Median Rent
18.8% income on rent
39°F
Avg Temperature
167
Violent Crime/100K
167 property/100K
B
Overall
3.2 / 5.0
Good overall score based on economy, affordability, safety and education
A
Economy
4.4 / 5.0
$70,870 median income, 2.3% unemployment
A+
Affordability
5.0 / 5.0
$150,700 home value, $1,044/mo rent
F
Safety
1.0 / 5.0
167 violent crimes/100K
C+
Education
2.6 / 5.0
19.6% bachelor's degree or higher
Silver Bay has a cool climate with an average annual temperature of 39°F (4°C). Winters average 10°F in January while summers reach 65°F in July. Annual precipitation totals 32.5 inches. The area receives 94.2 inches of snow annually. Air quality is rated Good with a median AQI of 32.
Temperature
10°F Jan (-12°C)
65°F Jul (19°C)
| Annual Average | 38.9°F |
| 28% below US avg | |
| January Average | 10°F (-12°C) |
| July Average | 65°F (19°C) |
Geography
| 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 |
| Timezone | America/Chicago |
| County | Lake County County |
| Nearest Airport | Duluth International (DLH) 53 miles away |
Precipitation & Snow
Air Quality
| AQI Median | 32.0 |
| Rating | Good |
| Good Days % | 90.2% |
| Unhealthy Days | 1 |
Air Pollutants (EPA 2023)
| Ozone (O₃) | 0.0389 ppm |
| PM2.5 (Fine Particles) | 5.0 μg/m³ |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 33.9 / 100 |
| Social Vulnerability | 43.5 / 100 |
| Community Resilience | 98.5 / 100 |
Hazard Breakdown
| Tornado | Very Low |
| Earthquake | No Rating |
| Wildfire | Very Low |
| Flood | Very Low |
| Hail | Very Low |
| Strong Wind | Relatively High |
| Heat Wave | Very Low |
| Winter Weather | Relatively Moderate |
| Lightning | Relatively Moderate |
| Ice Storm | Very Low |
| Drought | Very Low |
| Cold Wave | Relatively Moderate |
| Landslide | Very Low |
| Coastal Flood | Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Monthly Weather
| Month | Avg Temperature | Precipitation | Summary |
|---|---|---|---|
| January | 10°F (-12°C) | 1.3 in | Coldest |
| February | 14°F (-10°C) | 1.2 in | Driest |
| March | 25°F (-4°C) | 1.7 in | |
| April | 37°F (3°C) | 2.7 in | |
| May | 50°F (10°C) | 3.5 in | |
| June | 60°F (15°C) | 4.1 in | Wettest |
| July | 65°F (19°C) | 3.3 in | Warmest |
| August | 64°F (18°C) | 3.3 in | |
| September | 56°F (13°C) | 3.3 in | |
| October | 43°F (6°C) | 3.5 in | |
| November | 28°F (-2°C) | 2.7 in | |
| December | 17°F (-9°C) | 2.0 in |
Silver Bay has a seasonal temperature swing of 55°F / from 10°F in January to 65°F in July. Total annual precipitation is 32.5 inches, with June being the wettest month (4.1") and February the driest (1.2").