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Silver Bay, MN
Full City Profile · Minnesota · Lake County County
4.0
/5.0
A
Great
1,790
Population
235/sq mi density
$70,870
Median Income
$42,557 per capita
$150,700
Home Value
$162,839 Zillow
$1,044
Median Rent
18.8% income on rent
39°F
Avg Temperature
249 sunny days/yr
A
Overall
4.0 / 5.0
Strong
A
Economy
4.4 / 5.0
$70,870 median income, 1.2% unemployment
A+
Affordability
5.0 / 5.0
$150,700 home value, $1,044/mo rent
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. The area gets 249 sunny days per year. 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 36.
Temperature
10°F Jan (-12°C)
65°F Jul (19°C)
| Annual Average | 39.0°F |
| 28% below US avg | |
| January Average | 10°F (-12°C) |
| July Average | 65°F (19°C) |
| Sunny Days | 249 days/yr |
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 | 36.0 |
| Rating | Good |
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) | 1.1 in | Coldest |
| February | 17°F (-8°C) | 0.7 in | Driest |
| March | 26°F (-3°C) | 1.7 in | |
| April | 38°F (3°C) | 2.1 in | |
| May | 48°F (9°C) | 3.0 in | |
| June | 56°F (13°C) | 3.8 in | |
| July | 65°F (19°C) | 3.5 in | Warmest |
| August | 63°F (17°C) | 3.9 in | Wettest |
| September | 56°F (13°C) | 3.7 in | |
| October | 46°F (8°C) | 2.6 in | |
| November | 33°F (1°C) | 1.9 in | |
| December | 20°F (-7°C) | 1.3 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 29.3 inches, with August being the wettest month (3.9") and February the driest (0.7").